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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!

Hsiamg L.

Review of IM Painting Inc by

· tustin

The overall quality is good. However, if they drop the price some then they would attract more customers. Keep up the good work.

Chantal I.

Review of Kohler Bathroom Design Service by

· Carlsbad

Joanna was very professional. She listened to our needs, and when there was something that we didn't like she was able to change it to fit our needs.


I live in Southern California and just bought a condo. I need my windows replaced. Is there really much of a difference between vinyl and aluminum windows?

Sunline Energy answered:

Sep 27, 2017
Hello Aleric,This is a great question as we get this all the time. Let's compare the two Design Vinyl windows are more attractive and has more options for finishes, but they are thicker than aluminum. ... read more
What are the most cost effective things I can do to improve my home's energy efficiency?

Robert Shaw of Solare Energy PRO answered:

Apr 28, 2014
With current financing options that are available, the best return-on-investment is to go solar!  It may seem expensive to install a solar panel system, but with current financing options such as $0/d ... read more
Last edited May 13, 2014 11:17pm

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The Joy of Lending

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