JOY JAMES

JOY JAMES

Mortgage Banker

NMLS # 223349

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JOY JAMES

I’m someone with over 25 years in the banking/mortgage industry. I graduated from Georgia Southern University with a BBA and emphasis in Marketing. Through my work in this industry, I became a recipient of Mortgage Bankers Association of Georgia Gold Award for Outstanding Production - 2006 & 2007. I will make your home-buying experience easy if you decide to work with me!

Community Involvement:
• Member of the Greater Atlanta Home Builders Association since 2004.
• Member of the Sales & Marketing Council of the Atlanta Home Builders Association since 2004, including Charmain of the Board in 2016.
• Affiliate Member of the Northeast Atlanta Metro Association of Realtors - Atlanta, GA
• Affiliate Member of the Hall County Board of Realtors - Hall County, GA
• Mortgage Professional of the Year with the Greater Atlanta Homebuilders Association in 2018

GA License # 25158

  • 4878 Manhattan Drive

    Buford, GA 30518
  • Email

    joy.james@guarantymortgage.com
  • Phone

    (770) 861-4235
Consumer Portal Link
Homebuyer Kit
Apply Now

LEARN ABOUT MORTGAGES WITH JOY

Click on a link below to watch Joy discuss important home loan details.
Why to Choose Guaranty Mortgage Services
the Importance of a Good Loan Officer
Pre-Qualification
The Importance of Using a Realtor

What Clients Say

Thank you to ALL of you at Guaranty Mortgage. You all are the best of the best. You never miss a closing and I can take your word to be truth. That's a rarity these days and quite commendable. Much appreciation and kind regards.
Cana Czelusniak, Realtor
Southern Classic Realtors
It was a pleasure working with you and the team at Guaranty. You guys made the mortgage underwriting and approval process so much less stressful than I was expecting, which was a welcome surprise with so many other moving pieces going on at the same time. I appreciate the thoroughness and timely communication from everyone I worked with on your team. Again, thank you for all of your help in helping my wife and I get into our new home!
Brandon F.
Joy and her staff promptly return calls and emails, proactively work with borrowers to clear underwriting requirements and make sure the closing package is delivered in time to meet all deadlines. I have personally referred good friends and other Realtor clients to Joy and Guaranty Mortgage. I can not say enough great things about working with her on a professional and personal level.

MARKET NEWS

Up-to-date coverage on current mortgage trends.
5 Benefits of a Cash-Out Refi
August 26, 2023

5 Benefits of a Cash-Out Refi

And before they change, many homeowners have been taking advantage of the benefits of cash-out refinancing. To give you the gist, cash-out refinancing is when you replace your current mortgage with a new one that has a larger outstanding principal balance, and you get the difference in a lump sum of cash.


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Freddie Mac BorrowSmart® Program: What to Know
August 07, 2023

Freddie Mac BorrowSmart® Program: What to Know

Looking to buy a new home but struggling with down payment or closing costs? You're not alone. Luckily, there's a solution: Freddie Mac BorrowSmart®.


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Affordable Housing Loans - What Are the Options?
July 12, 2023

Affordable Housing Loans - What Are the Options?

The mortgage process can seem both confusing and overwhelming. That’s understandable because buying a house may be one of the most important and biggest purchases that anyone will ever make.


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