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The Joy of Lending

Loans, Mortgages, Loan Officers & Mortgage Brokers

Updated on Apr 9, 2026

View more like this | Visit COSTA MESA, CA | Contact The Joy of Lending
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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]

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The Joy of Lending

73-4192 Kahi Place Kailua-Kona, Hawaii 96740

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