Joy Sinegar Munoz
VP of Mortgage Lending
REALTORS WELCOME!
Born into a military family (Navy daughter), I have structured my career with the goal of greating generational wealth for many borrowers across the U.S. I have nearly 20 years experience in the mortgage lending arena.
I am very knowlegeable of VA programs along with Jumbo, Condo and FHA financing. Down payment assistance is another service I offer along with various renovation mortgage options.
Backed by a great company like Guaranteed Rate; I am able to meet closing dates and utilize common sense underwriting to get clients to the closing table. My primary focus is customer satisfaction and long term financial success for all of my clients.
Call me for a free consultation today. I am here to help you acheive your financial goals.
Together, we can make the dreams of tomorrow become a reality today.
**If you are a realtor looking for a lending institution to help grow your business, ask me about our Agent Advantage Program.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Smooth and easy transaction."
Ashle A. - Evergreen Park IL | Jul 2022
"Joy Sinegar-Munoz is the best. She made the process easy."
Barbara T. - Romeoville IL | Jul 2022
"I knew from the start that I wanted to work with Guaranteed Rate. My family has a history with the company and I wanted to go with a company that was familiar to me."
Naequel P. - Chicago IL | Jun 2022
"I’m a first time homebuyer, so I researched a lot. I had fears of the buying process that Guaranteed Rate didn't put me through at all. For example, I was so nervous going to the closing table thinking anything can go bad up to the minute of close. However, that wasn’t the case, the close went smooth and fast… we were done within an hour just as my loan officer, Joy Munoz, told me. The GR team was great throughout the entire process!"
Akeisha K. - Oak Park IL | May 2022
"I was kept up-to-date on everything that was happening with my loan."
Marilyn J. - Westmont IL | Apr 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
- Illinois
- Indiana
- Texas
- Nevada
- Florida
- California
- Louisiana
- Michigan
Services offered
- Purchase
- Refinance
- Jumbo
- New Construction
- Down Payment Assistance
- VA Loans
- Renovation Loans
- Doctor Loans
Loading Rates...
Today's rates
| Loan type | Rate | APR | Discount 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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
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.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.
