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Joyce Harkins takes her customers' priorities seriously. With 22 years of mortgage banking experience, her continued success rests with the fact that Joyce believes listening to her customers is the most important part of her job. An expert with FHA, VA, MHDC First Time Homebuyers programs, Joyce realizes that Fannie Mae and Freddie Mac Conventional mortgages may not be the only answers to her customers' present needs. A thorough knowledge of the current market offerings allows Joyce to offer multiple options to most borrowers. Counseling her clients with the total picture of out of pocket expense, rates, and monthly payments allows the borrowers to choose which program best satisfies their goals in homeownership. A life-long resident of the Central Missouri area, Joyce has managed mortgage offices located in Osage Beach and Jefferson City with customers from Chicago to Houston and everywhere in between. Her thorough knowledge of the greater central Missouri markets translates into smooth transactions. "Nothing gives me more joy in my work than meeting my customers at the escrow closing table with smiles on their faces. | 