Joyce Kulakowski

After spending time as a stay-at-home mom and trying out a few part-time roles, I found myself searching for something that truly felt right. When a friend introduced me to the mortgage industry and a loan officer position, everything just clicked—and 12 years later, I still love what I do.

I’ve always been a people person and a great listener, and those qualities naturally led me to a career where building trust and strong relationships is everything. I genuinely enjoy connecting with clients, helping them navigate the homebuying or refinancing process, and making sure they feel confident and informed every step of the way.

My favorite part of the job is empowering homebuyers and homeowners to reach their goals. I especially love working with first-time buyers—they’re full of questions, excitement, and energy, and it’s incredibly rewarding to guide them through such a big milestone. I’m often told that I’ve helped people understand more in 30 minutes than they learned from multiple other lenders combined—and that’s exactly the kind of experience I strive to provide.

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