Guaranty Mortgage Services

JOY JAMES

Mortgage Banker

NMLS # 223349

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JOY JAMES

Graduate from Georgia Southern University with a BBA with an emphasis in marketing.
Recipient of Mortgage Bankers Association of Georgia Gold Award for Outstanding Production - 2006 & 2007.
Over 15 years in the banking/mortgage industry.

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.
Affiliate Member of the Northeast Atlanta Metro Association of Realtors - Atlanta, GA
Affiliate Member of the Hall County Board of Realtors - Hall County, GA
2005 Graduate of Leadership of Forsyth County - Forsyth County, GA

GA License # 25158

4878 Manhattan Drive Buford, GA 30518
PHONE (770) 861-4235

Consumer Portal Login

Homebuyer Kit

Media Package

GET TO KNOW JOY

When you desire personal service, timely answers, and exceptional home loan expertise, I am your choice.

Using a consultative approach to mortgage lending, I am dedicated to working alongside you to determine the best home loan option that fits your life today and well into the future. I understand that it is not only a financial decision but a choice that affects the dreams and goals of your family.

HOW MUCH HOME CAN YOU AFFORD?

Find out right here.

Utilize our mortgage calculators to help you answer questions about financing a new home. Then, reach out to us to find out how much you can get qualified for!

ALREADY WORKING WITH US?

Easy Processing Through Our State-of-the-Art Consumer Portal.

Guaranty Mortgage Services' one-stop consumer portal allows you to easily manage your mortgage application from your phone, tablet, or computer. Upload documents, esign, see where your loan is in the process, and more!

GET TO KNOW JOY

When you desire personal service, timely answers, and exceptional home loan expertise, I am your choice.

HOW MUCH HOME CAN YOU AFFORD?

Find out right here.

Utilize our mortgage calculators to help you answer questions about financing a new home. Then, reach out to us to find out how much you can get qualified for!

ALREADY WORKING WITH US?

Easy Processing Through Our State-of-the-Art Consumer Portal.

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

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.

Tiffany McWhortor

O’Kelley & Sorohan, LLC.