Joy Sinegar Munoz
VP of Mortgage Lending


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
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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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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
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.