Joy Sinegar

Joy R. Sinegar-Munoz (US Bank) – Senior Mortgage Loan Officer     

With over 17 years of experience in the mortgage industry, Joy has used her craft to educate first time buyers, work with various community organizations and mentor new lending professionals.  Originally pursuing a career in Computer Information Systems, Joy longed to do something that would better impact the community. Fate changed the course of her career when she understood the challenges her parents faced when they purchased their first home.  She vowed to give others the opportunity to create a legacy and achieve a sense of entitlement. Her first step was obtaining her real estate license, however, she noticed that many homebuyers did not fully understand the loan documents they were signing at closing.  Furthermore, she realized that the terms were not favorable nor accommodating to the clients she worked with. That is when Joy decided to enter into the residential lending arena and focused on monthly educational workshops discussing topics like Credit, Budgeting, and Closing Documents. She also stresses the importance of wealth building, life insurance and frugality.   As a firm believer in “Each One, Teach One”, she encourages attendees to bring others to her event so that the reach of information is extended. Furthermore, she advocates for youth education to create the mindset that homeownership is within reach regardless of their financial upbringing. Joy is a Senior Loan Officer with US Bank Home Mortgage.