Joy Spence

NMLS # 274188
CalBRE # 00979728


Joy Spence
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Joy Spence

Joy Spence

Mortgage Calculators

Loan Programs



About Joy

Joy has been in the Mortgage Industry since 2000. She helps clients make the best decisions for short and long-term financial goals.  Joy wants to be your lifetime lender, and not just a one-time agent.

Licensed by the State of California Department of Real Estate #00979728 expires June 05, 2025 - NMLS #: 274188


Office: 650-762-3003
Cell: 650-465-5577



Cal BRE: #00979728

Contact Joy

Joy Spence

NMLS# 274188
CalBRE # 00979728

505 Costa Rica Avenue
San Mateo, CA 94402
State Licenses:

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

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