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Joy Malever Citizens One

Joy Malever

Loan Officer at Citizens One

NMLS ID #68974

Main Number
(800) 288-5569(800) 288-5569


30000 Millcreek Avenue
Suite 525
Alpharetta, GA 30022


Main Number
(678) 836-1305(678) 836-1305
(404) 680-5531(404) 680-5531
Fax Number
(866) 763-0836(866) 763-0836

About Us

About Me

I have 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 me to carefully work with my clients to find the loan products that best meet their individual needs.

I am a multi-year recipient of the Mortgage Bankers Association of Georgia Gold Award and take great pride in providing my customers with unparalleled service. I am committed to keeping my clients updated throughout the loan process and am 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
  • Physician home loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

Fast. Convenient. Easy. Apply Online Today.

Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²

Manage Your Mortgage on the Go

The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!

Get a 0.125% Mortgage Interest Rate Discount¹

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 to 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 guide to help you learn more about mortgages and the home buying process.