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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!

Helpful tools and resources
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Mortgage calculators
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Loan options
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First-time homebuyer’s guide
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Market research

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