Joy Nichols-King

Joy Nichols-King
Joy Nichols-King

“My goal is to provide you with unsurpassed service and eliminate the stress and hassle so often associated with obtaining a mortgage loan. Whether you are purchasing or refinancing I am here to assist you. There are many loans available but I will help to make sure you get into the one best suited for your needs.

We offer the following options:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA Mortgages
  • Home Ready Mortgage loans
  • CalHFA loan programs
  • GSFA Platinum Program

I have worked in the industry for 31 years and have completed many lending specialty programs including the “Xinnix Mortgage Academy of Excellence”.    I feel I have the experience and resolve to help people realize the American Dream of Home Ownership.  Integrity, honesty, conviction and passion are the building blocks of my mission to serve each and every one of my clients.  Please see several endorsements below of happy customers.”


“Joy Nichols-King was extremely helpful with securing our loan. It was obvious from the outset that she was an expert in the field and her many years of experience benefited us greatly. Not only was Joy exceptionally knowledgeable, but she was very warm, as well. Overall, she made our experience a pleasure. Without hesitation, I would recommend her to anyone looking to get a loan; she is the best!”

-Navi Bajwa

Joy was wonderful to work with! My wife and I bought our first home and using her for our financial needs helped us greatly. She was very kind, friendly, and most of all professional. She was on top of it! I never had to check on progress with our loan or call to find out if anything new came up. She was very proactive and kept us fully informed every step of the way. In future financial needs we will definitely go to Joy first! Highly recommend her services to anyone out there. Thank you Joy for taking care of our family and keeping our needs your top priority through the process! 

-Bryce Williams, Sanger CA