The Joy of LendingLoans, Mortgages, Loan Officers & Mortgage BrokersUpdated on Apr 9, 2026 View more like this | Visit COSTA MESA, CA | Contact The Joy of Lending |

Description:
We are a California-based mortgage company specializing in VA home loans for veterans, active-duty service members, and eligible surviving spouses. Led by Tim, a recognized VA home loan expert serving the entire state of California, our team brings deep knowledge of VA lending guidelines and the California real estate market. We offer a full suite of VA loan products, including VA purchase loans with 0 down payment, VA IRRRL (Interest Rate Reduction Refinance Loan) streamline refinancing, VA cash-out refinance loans, and VA jumbo loans for high-cost California markets. Tim has guided thousands of veterans from pre-qualification to closing, delivering personalized service and real savings. Choose us for dedicated VA expertise you can trust.
List of Services:
VA Home Loans
VA IRRL
VA Loan Consultations
Business Hours:
Mon-Sun: Open 24 Hours
For more information, please contact us with the details below:
Contact Telephone:
(951) 847-5578
Contact Email:
[email protected]

The Joy of Lending