
Joy Cluff
I have worked in the mortgage industry since 2005. During those years, I have held different positions... | St Joseph, Michigan, United States
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Joy Cluff’s Emails jo****@gu****.com
Joy Cluff’s Phone Numbers No phone number available.
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Joy Cluff’s Location St Joseph, Michigan, United States
Joy Cluff’s Expertise I have worked in the mortgage industry since 2005. During those years, I have held different positions that gives me experience in the entire home-buying process. I am raising my family in Southwest Michigan, and love being part of the community. My husband also works in the mortgage operations at another financial institution It’s great to be able to show our three children that parents can work at the same industry and do the jobs that we are passionate about. We feel blessed every day that we get to do what we do, and that’s all thanks to our clients, realtors, and strategic partners. We are committed to provide mortgage loan options in Michigan and Indiana communities while providing excellent customer service experience and timely communication from start to finish. We believe in investing time and building relationships with our clients and referral partners. If you are ready to buy a new home, refinance your current home, or maybe build your dream home, my team and I are ready to use our expertise, knowledge to find the best loan program to tailor fit your home mortgage needs. If you ever have any questions and want to talk with someone who will be open to helping you (without making you feel like you’re talking to a sales person), please contact me anytime. We look forward to helping you reach your home ownership goals!
Joy Cluff’s Current Industry United Federal Credit Union
Joy
Cluff’s Prior Industry
Vista Mortgage
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Vandyk Mortgage
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United Federal Credit Union
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Chicago Title
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Ruoff Mortgage
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Guaranteed Rate
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Work Experience

United Federal Credit Union
Mortgage Loan Advisor
Tue Aug 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Guaranteed Rate
Area Manager-Licensed #115518
Tue Jun 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Aug 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time)
Ruoff Mortgage
Senior Loan Officer
Tue Aug 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Jun 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time)
Chicago Title
Escrow Coordinator/ Closing Agent
Thu Jan 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Jul 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time)
United Federal Credit Union
Mortgage Loan Processor & Member Service
Wed Sep 01 2010 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Jan 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time)
Vandyk Mortgage
Mortgage Loan Originator NMLS #115518
Mon Jan 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Aug 01 2010 00:00:00 GMT+0000 (Coordinated Universal Time)
Vista Mortgage
Loan Officer Assistant
Sat Jan 01 2005 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Jan 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time)