Mortgage Loan Advisor
Current
Aug 2023 - Present
AeroLeads people directory · profile
Joy Cluff Email & Phone Number
Mortgage Advisor with a passion for making homeownership attainable for all. With over 20 years in the industry, I have guided countless individuals and families towards their dream homes.
at
United Federal Credit Union
2 work emails found
@ruoff.com
1 phone found area 269
LinkedIn matched
✓ Verified May 2026
4 data sources
Profile completeness 86%
Current company
Role
Mortgage Advisor with a passion for making homeownership attainable for all. With over 20 years in the industry, I have guided countless individuals and families towards their dream homes.
Location
St Joseph, Michigan, United States
Who is Joy Cluff? Overview
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Quick answer
Joy Cluff is listed as Mortgage Advisor with a passion for making homeownership attainable for all. With over 20 years in the industry, I have guided countless individuals and families towards their dream homes. at United Federal Credit Union, based in St Joseph, Michigan, United States. AeroLeads shows a work email signal at ruoff.com, phone signal with area code 269, and a matched LinkedIn profile for Joy Cluff.
Joy Cluff previously worked as Mortgage Loan Advisor at United Federal Credit Union and Area Manager-Licensed #115518 at Guaranteed Rate.
Company email context
Email format at United Federal Credit Union
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{first}.{last}@ruoff.com
89% confidence
AeroLeads found 2 current-domain work email signals for Joy Cluff. Compare company email patterns before reaching out.
Profile bio
About Joy Cluff
I have been part of the mortgage industry since 2005, gaining valuable experience in various roles throughout the entire home-buying process.Raising my family in Southwest Michigan has been a wonderful experience, and I truly enjoy being an active member of this community. My husband also works in the mortgage housing industry, which allows us to demonstrate to our three children that pursuing our passions is achievable.We feel incredibly grateful every day for the work we do, and we owe it all to our amazing clients, realtors, and strategic partners.Our commitment is to provide mortgage loan options for communities in Michigan and Indiana while ensuring an excellent customer service experience and timely communication from start to finish.We believe in dedicating time to build strong relationships with our clients and referral partners.If you're ready to purchase a new home, refinance your current one, or even build your dream home, my team and I are here to leverage our expertise and knowledge to find the perfect loan program tailored to your needs.
Listed skills include Public Speaking, Leadership, Strategic Planning, Hospitals, and 36 others.
Current workplace
Joy Cluff's current company
Company context helps verify the profile and gives searchers a useful next step.
7 roles · 21 years
Joy Cluff work experience
A career timeline built from the work history available for this profile.
Area Manager-Licensed #115518
Jun 2021 - Aug 2023
Senior Loan Officer
Aug 2017 - Jun 2021
Escrow Coordinator/ Closing Agent
Responsible for facilitating escrow files for Berrien County Operations, working with Real Estate Agents, Buyers, Sellers, Attorneys and Creditors.
Jan 2015 - Jul 2017
Mortgage Loan Processor & Member Service
Sep 2010 - Jan 2015
Mortgage Loan Originator Nmls #115518
Jan 2007 - Aug 2010
Loan Officer Assistant
2005 - 2007
~2 yrs
FAQ
Frequently asked questions about Joy Cluff
Quick answers generated from the profile data available on this page.
What company does Joy Cluff work for?
Joy Cluff works for United Federal Credit Union.
What is Joy Cluff's role at United Federal Credit Union?
Joy Cluff is listed as Mortgage Advisor with a passion for making homeownership attainable for all. With over 20 years in the industry, I have guided countless individuals and families towards their dream homes. at United Federal Credit Union.
What is Joy Cluff's email address?
AeroLeads has found 2 work email signals at @ruoff.com for Joy Cluff at United Federal Credit Union.
What is Joy Cluff's phone number?
AeroLeads has found 1 phone signal(s) with area code 269 for Joy Cluff at United Federal Credit Union.
Where is Joy Cluff based?
Joy Cluff is based in St Joseph, Michigan, United States while working with United Federal Credit Union.
What companies has Joy Cluff worked for?
Joy Cluff has worked for United Federal Credit Union, Guaranteed Rate, Ruoff Mortgage, Chicago Title, and Vandyk Mortgage Corporation.
How can I contact Joy Cluff?
You can use AeroLeads to view verified contact signals for Joy Cluff at United Federal Credit Union, including work email, phone, and LinkedIn data when available.
What skills is Joy Cluff known for?
Joy Cluff is listed with skills including Public Speaking, Leadership, Strategic Planning, Hospitals, Nonprofits, Fundraising, Customer Service, and Healthcare.
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