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I've spent the past 40 years in all areas of the mortgage industry. I was instrumental in the beginning of individual licensing and continuing education in South Carolina 10 years ago. Origination, Servicing, Compliance, Risk, Underwriting, Management

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Joy’s Qualifications

Education & Certification

Undergraduate Degree: Gulf Coast State College - Associate in Arts, Business Administration and Management


Photography, Swimming, Quilting, Sewing, Reading, Traveling

Tutoring Subjects

Microsoft Excel

Microsoft Office

NMLS - Nationwide Mortgage Licensing System

PC Basic Computer Skills


Professional Certifications

Real Estate License

Technology and Coding

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