Frederick-based loan officer with 20+ years mortgage industry expertise. Joy provides personalized guidance for all homebuyers, from first-time purchasers to those downsizing or relocating. A Howard County native, she understands the local market and is passionate about educating borrowers, ensuring a smooth and stress-free experience. Joy is committed to helping you achieve your financial goals through informed decisions. Active in the community, supporting Special Olympics and Juvenile Diabetes Foundation.