Joy Sparks Bates

About Joy Sparks Bates

This Is Who I Am:I have been in the Mortgage Banking industry since and have been a Mortgage Loan Officer, Human Resources Director and Accounting Specialist. I am a licensed Mortgage Loan Officer in the States of Texas, Florida, California, Missouri and Colorado but can do home loans in all 50 states!This Is Who I Help: All Real Estate Home Buyers in Texas who want the best deal that exists in the market today. I love helping people purchase homes or refinance their homes for lower interest rates or better mortgage loan terms. Whether you are a First Time Homebuyer or a Luxury Estate Buyer, I can Help You!This Is How I Help Home Buyers:I help people from all walks of life purchase or refinance their homes. I have very competitive mortgage interest rates, saving my clients hundreds of thousands of dollars! My clients have great credit, bad credit, and everything in between! I work with many Self-employed borrowers with complicated tax returns. For those clients who need a little credit help or a lot of credit help, I\'ll give them a written plan to get better credit scores, lower debt-to-income ratios, or anything else needed to get the very best rate and loan program possible. I do FHA, VA, Conventional, USDA, Jumbo, Reverse and Rehabilitation home loans, to name a few.To find out what I can do for your Texas, Florida, California, Missouri and Colorado Home Loans, please log onto my website at https://legacyfinancial.com.Joy BatesOriginating Branch Manager NMLS ID#243437Canopy Mortgage LLC NMLS W Abram StreetArlington, TX 76013O- 81••••••32 C- Housing Lender

Experience

1. Originating Branch Manager

   Canopy Mortgage

   Apr 2025 — Present

   Originating Branch Manager licensed in Texas, Florida, California, Missouri and Colorado. I am very knowledgeable of FHA, VA, Conventional, USDA, Reverse and Renovations loans. I love to help first time home buyers purchase their first home! But, I also love to work with previous clients when they decide to purchase a new home or refinance their current home. I work with Investors with complicated tax returns. I specialize in providing the LegacyCare All-inclusive Real Estate Benefit Plan to employees of Tarrant County College District, Arlington Independent School District, Nissan USA and the City of Arlington. I am also a Certified Military Home Specialist and especially love helping Veterans get into homes!I work with many top Real Estate Professionals around the entire State of Texas to give my clients the best home buying experience possible!

Education

• The University of Texas at Arlington - College of Business

  BBA in Business, Business, Management, Marketing, and Related Support Services

  1977 — 1981

Skills

• Va Loans
• Credit
• Fha Financing
• Residential Mortgages
• Real Estate
• Rates
• Mortgage Banking
• First Time Home Buyers
• Government Loans
• Credit Analysis
• Investment Properties
• Usda
• Construction Loans
• Underwriting
• Fha
• Mortgage Underwriting
• Investments
• Real Estate Financing
• Mortgage Marketing
• Refinance
• Debt Consolidation
• Loan Origination
• Commercial Lending
• Home Equity Loans
• Certified Mortgage Planning
• Loans
• Commercial Mortgages
• Mortgage Lending
• Reverse Mortgages