Joy Cluff

Joy Cluff is an experienced mortgage professional currently serving as a Mortgage Loan Advisor at United Federal Credit Union since August 2023. Prior to this role, Joy held the position of Area Manager at Guaranteed Rate from June 2021 to August 2023 and worked as a Senior Loan Officer at Ruoff Mortgage from August 2017 to June 2021. Joy's career began with a role as an Escrow Coordinator/Closing Agent at Chicago Title, where responsibilities included managing escrow files and collaborating with various stakeholders. Additional experience includes positions as a Mortgage Loan Processor & Member Service representative at United Federal Credit Union and as a Mortgage Loan Originator at VanDyk Mortgage Corporation. Joy began the professional journey as a Loan Officer Assistant at Vista Mortgage Corp.