mortgage advisor

Saint Joseph, Michigan

Advisor: Joy Cluff

Downtown St. Joseph


About Joy

Cluff will use her expertise to provide a quality real estate lending experience through financial counseling and product awareness to credit union members regarding their real estate financing needs and generate investment quality mortgage loans.

Joy Cluff began her career in mortgage lending in 2005 and has held different positions giving her experience in the entire home-buying experience including escrow coordinator/closing agent, mortgage processor, loan officer assistant, and mortgage loan officer. She pairs her industry knowledge with a passion to help people find the right mortgage option for their new home. Most recently, Cluff worked as an Area Manager at Guaranteed Rate.


321 Main Street
St Joseph, MI 49085

(269) 363-6953