Email: mike.joy@wjbradley.com

Phone: 253.350.3154

Fax: (877) 603-8114

Michael Joy

Branch Manager (Joy Team-Puyallup, WA), W.J. Bradley Mortgage Capital Corp.

VISION STATEMENT: I utilize my finance expertise to counsel borrowers and to design mortgage solutions around meeting their long-term financial goals. I measure success from the relationships that are built from each transaction, not the income generated.  

PROFESSIONAL EXPERIENCE ““ 15 years working in real estate finance

Branch Manager/Loan Officer, December 2008-Present

W.J. Bradley Mortgage Capital Corp., Puyallup, WA

*Dedicated to relationship based lending, not transaction based lending. My business focus is long term and focused on creating clients for life. I achieve this by always listening to and understanding the needs of my clientele, and then creating solutions to meet their unique needs. My business is almost exclusively generated by referrals from satisfied customers.

*Manage branch interest rates and margins to ensure our rates are competitive within the marketplace. I charge very reasonable fees, and follow through as promised on commitments. Again, a completely satisfied customer who will refer my services is the primary goal.

*Loan officers and processers on my team are highly educated and informed, trustworthy and professional. WJB is committed to industry leading file turn times, with in house processing and underwriting, and state of the art technologies.

Owner/Mortgage Broker, September 2004-December 2008

Joy Mortgage & Financial Services, Edgewood, WA

*Sole owner handling all aspects of business

Loan Officer, September 2001-October 2004

Elliott Bay Mortgage LLC, Bellevue, WA

EDUCATION & PROFESSIONAL DESIGNATIONS

B.A. in Finance, June 1993

Western Washington University, Bellingham, WA

Licensed Loan Originator ““ Washington State

Member National Association of Mortgage Brokers & Washington Association of Mortgage Professionals

Affiliate Member of TPCAR

PERSONAL INFORMATION

*Married for 14 years to Stephanie Joy. Two kids ““ Madeleine (12) and Alex (8). I‘ve lived in Western Washington, Puyallup area primarily, since 1978.

*Hobbies include: Boating, Water Sports, Camping, Hiking, Skiing, Golfing.

W.J. Bradley Mortgage Capital Corp.

Equal Housing Lender. © 2009 W.J. Bradley Mortgage Capital Corp., 201 Columbine Street Suite 300, Denver, CO 80206. Phone #303-825-5670. Trade/service marks are the property of W.J. Bradley Mortgage Capital Corp. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states.

AZ License # BK-0903998; Licensed by the Department of Corporations under the Residential Mortgage Lending Act. RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; CT Correspondent Lender License No. FMCL 21047; Delaware Lender License No. 010467; Florida Mortgage Lender license #ML.100000098; Georgia Residential Mortgage Licensee, License No. 20233; ID Mortgage Broker License No. MBL-2803; Kansas Licensed Mortgage Company License # MC.0025020; MI First Mortgage License No. FL0011392; Mississippi Mortgage Lender License #4298/2009; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Supervised Lender License No. SL007245; OR Mortgage Lender License No. ML-776; TN Mortgage Company Registration Certificate No. 3629; TX Mortgage Banker Reg. No. 74182 with locations in Texas at 2100 W. Loop South, Suite 927, Houston, TX 77027 and 1912 Central, Suite L, Bedford, TX 76021; UT Mortgage Lender Company License No. 5495659-MLCO; Vermont Broker License #0995MB; Vermont Lender License #6141; WA Consumer Loan License No. 520-CL-42624; Wisconsin Mortgage Banker License No. 699991.

http://wjbradley.com