Vernon, Alabama's homeownership advocate, Joy Spencer, is a Loan Officer at Bank of Vernon, specializing in FHA and Conventional mortgages. She expertly navigates clients through the loan application process, simplifying complex requirements and securing optimal financing solutions. Serving the Vernon, AL community, Joy provides dedicated support and personalized guidance to prospective homeowners seeking FHA or Conventional loan options. Contact her during business hours, 9 AM to 5 PM, to begin your home buying journey.