Joy Cluff -Mortgage Advisor @JoyCluff
Empowering homebuyers • I am a Mortgage Advisor on a mission to help Americans achieve their aspiration of buying a home 🏡 🇺🇸 unitedfcu.com/joy-cluff St Joseph, MI Joined May 2012-
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As a Loan Officer there’s no such thing as “work less and make more money” Being LO is a CONTACT SPORT calls,conversations,relationships.Want to write more loans and make money? Talk to more people. Servemorepeople.There’s no shortcut. Just consistent effort and real connections.
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Institutional investors like BlackRock, Vanguard, State Street, and Blackstone have been competing with everyday buyers — driving up prices and locking families out of homeownership. Homes should be for families, not Wall Street portfolios.
Holy Rosary online mass-online.org
When a client calls on a weekend, you work hard to get their pre-approval, take late-night calls only for them to go elsewhere without even giving you a chance to present your offer… Felt Used and Abused. That’s OK, I know God has my back! What comes around goes around
@ParisHilton I’m so sorry to hear about the loss of your home. It’s a devastating time, and I want you to know that it would be an honor to help in any way I can—whether that’s with a mortgage or finance rebuilding your home. Please let me know if I can assist you.
Regardless of your political party, we all need God to make America great again. Homeownership is essential to our economy, and let’s pray for President Donald Trump to make significant contributions to housing, helping many achieve Americans dream of owning a home.
Corpus Christi Parish, Vancouver, Canada mass-online.org
I welcome 2025 with arms wide open, embracing the same God who carried my family & me throughout 2024 🕊️
Real estate values can be a game changer! A $100k house can appreciate to $300k with upgrades and repairs, while a $30k car could drop to $3k quick. Just like you care for your car, investing in your home pays off in the long run! #RealEstate #mortgagewisdom
Securing a mortgage involves a lot of documentation, and we understand it can feel overwhelming and complex, Think of it as threading a needle—it takes time and precision, but we’re here to guide you every step of the way. Trust the process! 🏡✨
Buying your first home can be both exciting and overwhelming. Here’s a crucial tip: **Get pre-approved for a mortgage!** This step not only helps you understand your budget but also makes you a more attractive buyer when you find that dream home.#FirstTimeHomebuyer #HomeBuying
Mortgage Rates Hit Their Lowest Level Since May 2023 For those that may have bought in the last two years, this is an opportunity to refinance unitedfcu.com/joy-cluff
Today's Mortgage Rates mortgagenewsdaily.com/share/mortgage…
Mortgage rates are predicted to fall. Manage your credit score now -be ready! Good credit score will lead to lower interest rates- Low credit score will lead to higher interest rates and difficulty getting approved for loans, which can be very costly.
Joy Cluff -Mortgage Advisor retweeted
Protect your credit score at all costs. Maintaining a good credit score will make your life easier and save you thousands of dollars — it will lead to lower interest rates, which results in saving more money over your lifetime. A low credit score will lead to higher interest rates and difficulty getting approved for loans, which can be very costly — You will have a hard time finding a lender to let you borrow money, and lenders who do, will charge a very high interest rate.
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