mortgage advisors

Joy considers it a true privilege to help people achieve the dream of homeownership. Since beginning her career in the mortgage industry in 2005, she has guided more than 2,500 individuals and families through the home buying process—each one a meaningful milestone. Having experienced the joy of homeownership herself, she understands firsthand how powerful it is to find a place to truly call home.

With deep expertise in nearly every aspect of the mortgage process, Joy is known for making complex decisions feel simple and manageable. Her clients appreciate her thoughtful guidance, clear communication, and unwavering commitment to their goals. Whether you're purchasing, refinancing, or building your dream home, Joy is the kind of advisor who brings both knowledge and heart to the table.

Joy is proud to be one of the first Asian American Pacific Islanders to originate mortgages in Michigan and has been consistently recognized as a Top Mortgage Loan Originator at United. Her dedication to excellence and her trailblazing spirit continue to inspire others in the industry.

A lifelong resident of Southwest Michigan, Joy raised her three children here and remains deeply connected to the community. She actively volunteers and advocates for causes close to her heart, including Patient Safety and Harbor Habitat for Humanity, where she also served on the Board of Directors. Now an empty nester, Joy treasures time with her grandchild and extended family. Outside of work, she enjoys cooking, sharing meals, and taking peaceful walks to the beach with her dogs.