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Joy Cluff
Area Manager-Licensed

I have worked in the mortgage industry for over 19 years. During those years, I have held different positions that give me experience in the entire home-buying process.

I am raising my family in St. Joseph, Michigan, and love being part of the community. My husband, Matt, also works at Guaranteed Rate on the Operations Team. It’s great to be able to show our three children that parents can work at the same company and do the jobs that we are passionate about. I feel blessed every day that I get to do what I do, and that’s all thank to my clients, real estate agents, and strategic partners.

I am committed to providing mortgage options in Michigan and Indiana communities. I am committed to providing excellent customer service and timely communication from start to finish. I pride myself in building relationships with my clients so I can find the right loan program to meet their needs. If you are ready to buy a new home, refinance your current home, or maybe build your dream home, I’m ready to use my expertise and knowledge. 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. I look forward to helping you reach your home ownership goals!

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.