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Joy Brown
VP, Senior Mortgage Banker
NMLS ID #: 226259
Mobile: (770) 827-6746
Fax: (770) 685-6809

Joy Brown has worked in the mortgage industry for 38 years.  She began her career in 1980 as a processor and worked her way up thru processing to underwriting, and has been a loan officer since 2001. This wide range of experience makes her a true mortgage expert.

Joy continues to be a top producer in the industry, closing more than $500 million in loans over the last 17 years.  As a member of the Mortgage Bankers Association of Georgia, she has achieved Gold status multiple years and Platinum status in 2017.  She earned the title of Vice President for BankSouth Mortgage in May of 2018 in recognition of her success.

Joy works with new construction and resale business across the southeast and has extensive knowledge in all types of financing, including Conventional, FHA, VA and numerous down payment programs. Joy aims to be upfront and honest with all of her clients and communicates her knowledge of the loan process in a way that is easily understood. She enjoys spending her time with her family (two grown children, two granddaughters), watching sports and spending time on the lake.   

Customer Testimonials

Responsiveness and professionalism at any and every time during the day or after hours-weekends.

Albert M.

Joy was great and got our loan done in a timely manner. She was very nice to work with and stayed in contact with us to let us know what was going on.

Kyle B.

Joy and Vanessa are very competent, patient and thorough. Joy made this process so simple for me regardless of the anxiety I had. I probably called them more times than they expected, but they always made themselves available and answered my questions with no Hesitation. I would highly recommend Joy. Thank you so, so much!

Yolanda D.

Thank you for answering my many phone calls and questions repeatedly. Joy Brown and her team believe in educating their clients to ensure that they understand the loan process, and I really appreciated that!


My home buying experience with BankSouth [Mortgage] was PHENOMENAL! I really appreciate the dedication and professionalism shown to me by Laura Brown and her team. Thank you all for MY NEW BEGININGS!

LaQuisha L.

Joy, you are so appropriately named! You brought much joy to my family and me. You made this process so pain-free and worth our while. You helped to educate not only my wife and me but my young realtor as well. Thank you so much. This is the second home you've helped us with; while it may be our last home purchase, we will certainly send others your way. Thanks for all of your support. You have to come over for dinner one day!

Bobby A.

Ms. Brown did an outstanding job! The team worked diligently to ensure that I provided the information needed to secure the loan.

Alaric C.

As a first-time home buyer, I appreciate how knowledgeable & patient Joy was. She really took the time to explain all options that were available for me.

Michael D.

Joy was always so quick to respond to us and so knowledgeable about the loan process. She was also very honest with us, and we knew she had our best interest in mind. As first-time homebuyers, we didn't know much! But she made the entire process so easy. Thanks, Joy!!

Allison B.

She was very helpful with everything; finding houses in our price range. Any questions we had she answered and didn’t hesitate to help us with anything we needed. One of the best experiences I’ve had! Highly recommend her!

Cody H.

Valerie (Joy) came all the way to Alabama to meet me. She explained the process very well. I felt like I was making an informed decision.

Tashanna G.

Joy was always available when I called. The whole staff was always helpful. Everyone always explained every step and told me what I needed to do to help them process the loan.

Ronald K.

Joy Brown made our home-buying experience stress-free!

Edward B

Joy was very helpful and always responsive with all of my questions. She was very knowledgeable and easily understood. Thanks.

Stephanie J.

Joy was very helpful and very patient with us in our buying process. She always answered the phone no matter the time and answered our questions. Now, you can hardly ever call and get someone on the phone at different places, but she was always there. She was a great help to my family in this purchase.

Robert M.

Joy was very helpful with great advice. She is very professional, personable, kind and understanding.

Patrick G.

Joy Brown and her team were an absolute pleasure to work with. Joy was always very responsive and available to walk me through the process of what to expect. She helped to make this major life milestone a seamless one.

Stacy F.

The team was always available to me! Even with the silliest of questions/concerns they were patient and kind. The app was user friendly and great. I would recommend everyone use the app. I especially would like to shout out Nic Smith! I don’t think it would have gone as smooth without the guidance of Nic. Thanks, Nic! And thanks, everyone!

Kelly S.