First Citizens National Bank Mortgage

Joy has lived and worked in the Bradley County area her entire life and cares deeply about this community. She has over 40 years of mortgage lending experience and has been employed with Southern Heritage Bank since its opening in Cleveland, TN . Joy is very active with the River Counties Association of Realtors where she has been the recipient of many awards during her career. She resides in Cleveland with her husband and enjoys time with her two daughters, son-in-law, and grandchildren!

She is committed to taking care of every customer so that their experience is not intimidating or stressful. Joy has surrounded herself with the best support staff which is the real reason that every loan process goes so smoothly.

“I understand the loan business to be a fiercely competitive market, but I also know that there is more to home financing than simply securing your loan. I want to offer you the best option to achieve your financial goals, whether it's buying your first home, building your dream home, purchasing investment properties, consolidating debt, or refinancing your current home. I love being a part of this Team and look forward to assisting you with all your mortgage needs.”