You and [your] staff were so pleasant and kind to us, even when you were on your own family time, nights, and weekends! Since Last Friday, Lisa and I have felt such Joy in our new home. We can’t thank you and your team enough!
– Tim P.


Michael was absolutely great!
– Laurel M.


Cheryl and I want to thank you and Chelsea and others for your helpfulness and continued assistance with our mortgage needs. We are very grateful for your time and efforts. The electronic signing process made the process very convenient. You were available when needed and ready with easy to understand answers . . . also able to prepare our financial information while taking our concerns in mind. Overall, the experience was a very enjoyable one.
– Arthur W.


Mike and the team were great to work with.
– Scott W.


I wanted to say thank you for everything that you and your team were able to do for us! It was a nice surprise to see the extra money coming to us. I always share our experience and offer your name to anyone who mentions they are looking into purchasing a home. You have always done a fabulous job when working with us.
– Shannon P.


Michael Joy is a true professional who has withstood the test of time in this crazy real estate climate. He works tirelessly towards finding fair solutions to any financial situation. He is honest and forthcoming – no smoke and mirrors here. And he is a gentleman through and through. I would highly recommend Mike for your mortgage solutions.
– Judith L.


Michael does a great job for my clients, is easy to talk to, and very detail oriented. He will explain things to clients in a way that it makes sense to them and is very straight forward. Many of the clients I have referred have had very complex loans, and Michael has been very efficient and successful in helping them achieve their goals. I have sent several clients to Michael, all who have been extremely satisfied. I would highly recommend Michael Joy.
– Denise C.