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The Joy of Lending

The Joy of Lending

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.

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Melissa P.

Review of One Water Systems by

· Oceanside

One Water Systems had received fantastic reviews online that I found during my research prior to purchasing. Some of those reviews seemed a bit "too good to be true." Now that I've purchased one and gone through a transaction with them I can say that all of those rave reviews were absolutely spot on... more

Kenneth E.

Review of Bath Planet of Central AZ by

· Yuma

We are thoroughly satisfied!

Nicole A.

Review of IM Painting Inc by

· rancho santa margarita

I was extremely satisfied with IM Painting. Their price was very competitive and their team was professional and great to work with. The work was completed ahead of schedule and looked great. I would definitely recommend IM Painting.

John T.

Review of Kohler Bathroom Design Service by

· Manhattan Beach

Helped me a lot. Clear plan on how to complete the bathroom from floor plan to items to purchase. One issue was the vanity countertop recommended. It is a small vanity and the Cambria marble recommended only came in full slabs and was very expensive when I only needed less than half of a slab.... more


What's the difference between a "replacement window" and a "new construction" window?

Tom Boyle answered:

Jul 9, 2021
The difference between new construction and replacement is how much of the existing material they remove/replace, and how the windows are secured to the opening. In new construction, they remove ever ... read more
What is the best way to insulate the ceiling on my glassed-in porch?

Marc Evans answered:

Apr 5, 2017
Blow Insulation 

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Feedback report

The feedback presented on this page was collected by GuildQuality from Verified customers of The Joy of Lending using our impartial third party survey process. To learn more about GuildQuality and our survey process visit www.guildquality.com

The Joy of Lending

73-4192 Kahi Place,
Kailua-Kona, HI
http://thejoyoflending.com (951) 847-5578