Joyce has a 30 year record of excellence in the real estate and mortgage industry.  After co-founding a real estate firm in 1976, it grew under her management and direction to six offices and 130 agents. Later, in 1993, she founded and served as President and CEO of the mortgage company. Ranking in the top 15 in her county out of 3500 agents, Joyce specialized in working with first time homebuyers. Her expertise in finding the best programs and products for her clients enabled thousands of homebuyers to enjoy the pleasures of home ownership.  Her vast understanding of both the real estate sales industry as well as the mortgage market enables her to offer the best of all services and advice to her clients.