The entire process was incredibly smooth

Joy was very responsive and answered all of our questions. We had a few last minute changes and she was always on top of it and made sure things were done in a timely manner. We loved working with Joy during our home buying process!

Joy was singularly helpful at every stage of our loan--from finding the best possible rates to providing us with multiple scenarios. She was responsive to our questions and made our buying process (from across the country) as smooth as possible.

Very professional and makes sure you have everything you need in order.

Joy was amazing to work with. When another lender fell through Joy and the Guaranty team came through and made sure we closed with a minimal delay.

They made it look easy! Friendly and thoughtful throughout the process.

Joy was always quick to respond with any questions we had. She is competent, knowledgeable and a pleasure to work with in purchasing our forever home.

Joy was extremely helpful during the closing process and made sure we closed on time.

Joy was professional, accessible, and very attentive to our needs throughout the loan process.

Very helpful! Answered all my questions asa first time home buyer. Was very patient

Joy explained the process very well and we were very comfortable with her.

Muy agradecida de haber tratado con sra Joy muy atenta y respetuosa

Joy James did amazing

Joy helped me through the process and called me when I had questions and worked through any issues that came up which was really appreciated. Joy was a joy to work with!

Joy made the process so easy for a new homeowner.

Joy James was excellent

Joy is consistently a pleasure to work with and makes what can be a very stressful process easy to navigate.

I had a pleasant experience.

It was a great experience from the beginning through closing!! Joy was the Best!!

On the technical side, everything was smooth, documents were easy to sign and I didn?t run into any issues. On the customer relations side, Joy and her entire team were both responsive and accessible throughout the process. They were organized and explained everything in a way that made sense for me.

Amber was great. Great team.

The process was super easy! And, the people I worked with were great too.

We were new to the home-buying process, and Joy was able to help us navigate all the financial jargon as well as answer our naive questions. We appreciate her patience with us.

Joy was awesome to work with. Very kind and patient and explain things when I had any questions. Highly recommend her to anyone looking for a mortgage lender

Joy was great! Very personable and amazing at her job.

Joy james and Amber Masterson were so helpful.

Overall Joy and her team were all easy to work with and made the whole loan process go smoothly. I really appreciated that!

Joy James was able to help me out with whatever I needed and was quick to respond.

Joy was awesome throughout the process! She was an excellent communicator and was always available to answer any questions I had. Amber always responded promptly and was very efficient in helping us with all the documents needed. It was a pleasure to work with Joy and Amber!

Joy and Amber were great!

Joy was amazing to work with! She is great at what she does!

Joy made the home buying process easy.

Joy understood my needs and made this process incredibly easy and efficient. She provided options and was able to maximize and use the builder credits for a lower payment. We went from contract to closing in 2 weeks. I have recommended Joy to friends and clients in the past and will continue to do so! I?m very grateful for a seamless and great experience during a stressful time

It was a smooth process

Joy and Amber were very pleasant and helpful.

It was good. Thanks

easy from application to approval!

Joy was an absolute Joy to work with. She lead us through the process step by step. Provided information every step of the way and answered every question we had. I would recommend her 100 times over!

Fast and timely service

Joy and her team (I worked with Kristi and Amber) we're all amazingly great to work with. Approachable, friendly, checking in on me if I let an email go a little too long because of all the stuff going on, really able and willing to explain things and answer my questions. I'd work with this team again in a heartbeat!

Experience was very well organized which helped reduce the stress involved in what could have otherwise been a very stressful process.

Joy was very helpful and I would be happy to recommend her services in any Real Estate transaction.

Would highly recommend.

Joy is very attentive and timely in her responses. I would happily work with her again.

Joy! She is awesome

Joy was great and very informative and helpful.

Great service!

Joy and her team were all very helpful and communicative. They made the process relatively easy!

Great experience all around ? great job by Joy !

Joy and Amber were fantastic

Joy gave amazing customer service!

Joy was excellent at responding to questions and providing timely information. She made the process run very smoothly!

Once again, very easy to work with.

The whole.process was quick. The instructions were clear and easy to follow.

Joy was wonderful to work with, great process

Amber and Joy were excellent! Our situation was unique, and they provided quick responses and assistance! Highly recommend Joy and her team at Guaranty Mortgage!

Joy and her team were wonderful! The open line of communication was great and this helped make the purchasing of our home smooth and stress-free! The entire process was so easy !! Joy was a pleasure to work with and I would recommend her service to anyone!

Joy and her team at Guaranty Mortgage made our loan process so easy. I appreciated that Joy spent time talking me through something I was unsure about. She was knowledgeable, professional and always responsive. Highly recommend!

We were originally working with another lender who could not get our loan processed correctly or in a timely manner. Joy James to the rescue. She and her entire team hit the deck running and closed on time with professionalism and accuracy. Communications throughout the process were timely and to the point. I'd recommend them to anyone buying a home and needing expertise in lending.

This was our third VA mortgage through Guaranty and Joy (like her predecessor, Shellie Sexton) made the process as painless and stress-less as could ever be done. Joy was timely, accessible, professional, and made it as if we were entrusting our lives in her tender care. Joy and Guaranty really take care of us veterans.

It was such a pleasure working with Joy James and Guaranty Mortgage Services, LLC. I would highly recommend working with Joy and her team. Our process was smooth and easy. Communication was always on time and consistent.

She always provided documentation in a timely manner and worked well with our Realtor. We had a snag with our loan, which delayed closing a couple of times. We had to changed our loan type and add another person to the loan but still closed a couple of weeks later. She made sure everyone on the loan knew of all the deadlines and executed the loan quickly.

From the day we first contacted Joy she helped us get through the tedious process that is called home loan; any questions that I had she immediately answered and addressed any concerns I had with the entire process. I will recommend her to anyone seeking a home loan.

Joy was a superb professional. She was efficient, communicative, and attentive. From start to finish we had 100% confidence in Joy and her ability to get us to our closing.

We went under contract July 5 and I called Joy and said: "The seller wants to close on July 21, can you do it"? Joy honestly said: "It'll be tight". Well, with Joy's organization and the Guaranty Mortgage professional team, we not only met the deadline, we were ready to close by July 19. That is the definition of Excellent Service.

Joy came highly recommended and the mortgage process was the easiest part of buying the house! I didn?t have too many questions but Joy was very responsive. With the competitiveness of the current real estate market, this was one process that was not stressful. Thank you Joy!