Joy Malever has over 20 years of experience in the financial industry - including bank management, financial project management, and mortgage banking. Citizens One has numerous loan options, including Conventional, Jumbo, FHA, and VA, that allow her to carefully work with her clients to find the loan products that best meet their individual needs.
Joy is a multi-year recipient of the Mortgage Bankers Association of Georgia Gold Award and takes great pride in providing her customers with unparalleled service. She is committed to keeping her clients updated throughout the loan process and is always available to answer any questions they may have.
About Citizens One
Our team of mortgage experts at Citizens One is committed to helping customers find the home loan solution that’s right for them. Citizens One is the National Lending Division for Citizens Bank, N.A., a bank with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.
Featured Products & Services
- Fixed and adjustable rate mortgages
- Affordable home financing programs
- FHA/VA loan programs
- Jumbo loans
- Condo financing
- Second home and Investment property loans
- Construction-to-permanent financing
- Renovation-to-permanent financing
Get 0.125% Mortgage Interest Rate Discount
Ask me how you can save money when you set up automatic payments from your checking account for your new Citizens One mortgage.
Mortgage Learning Center
We’re here make sure you have the resources and solutions to help you reach your potential.Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a selection of articles to help you learn more about mortgages and the home buying process.