Joy Gilliland

Loan Officer

NMLS: 506419

Thank you for your interest in partnering with me. Please fill out the form below, and I'll be in contact soon to share how I can help you with our specialty programs.

About Joy

After spending 30 years in the mortgage industry in Illinois, Joy decided to move to Florida to escape the winter. With her experience she can quickly guide you through your application procedure all the way to closing. Joy’s depth of knowledge in Conventional, Jumbo, FHA, VA, and USDA loans will help you choose a mortgage that suits your needs, budget, and goals for the future. Joy chose SeaTrust Mortgage because of their leadership and the commitment to service the customer. SeaTrust Mortgage is providing a positive experience for all involved with a new mortgage!

Borrower, Jose A.
Borrower, Jose A.Loan Officer, Joy Gilliland
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I would like to thank Joy for handling my VA Refinancing in a expedient and professional manner. Joy has excellent knowledge of the product and was able to get me to close in a little over 30 days. In contrast, I was told by other mortgage service providers that either they could not close me in favorable terms which made sense to refinance or it would take 6 months to complete the process. Joy was able to get me a good refinancing rate and structured the closing date in such a way that it allowed me to save on two mortgage payments, with no out of pocket costs for me. She was also excellent in her due diligence, keeping me constantly informed of all the documents needed as well as what was the status of my refinance at each step of the process.
Borrower, Tammy P.
Borrower, Tammy P.Loan Officer, Joy Gilliland
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I have NEVER had anyone so helpful as Mrs. Gilliland, she was a pleasure to work with and explained everything very well, so well that I have recommended her to everyone I know that is looking to finance or re-finance. She is the best.
Realtor Partner
Realtor PartnerLoan Officer, Joy Gilliland
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I have had the extreme pleasure of working with Joy Gilliland as the lender for the sale of my Sellers home in the current months which you would think would be a challenge. Given the rough times in the industry with the CoVid pandemic and to add onto it two holidays, Christmas and New Years it would be expected to have snags and hiccups. I can attest to having one of the smoothest stress free transactions of my career. Not only was I able to go on vacation with no worries of constantly checking my emails and phone, but Joy had documents and wired funds at title several days prior to closing ! Unheard of ! Thank you Joy for your diligence and professionalism. And to Joys buyer......welcome home !

SeaTrust Has A Solution Perfect For You

First Time Homebuyer

Low Down Payment Programs

Fewer restrictions and lower down payments make it easier to purchase a home

VA Loan

Special Benefits For Military Families

100% financing, no mortgage insurance and lower fees makes home buying affordable

Cash Out Refinance

Take Advantage of Your Home's Equity

Great for paying college tuition, paying off debts and funding home renovations


Live Off The Beaten Path

The serenity of living in a rural area comes with benefits like 100% financing and low rates

Vacation/Second Home

Programs For Larger Property Values

Jumbo loans allow you to purchase high-value properties with surprisingly low down payments

Rental Properties

Real Estate Investments

Low down payment programs to help you start or grow your real estate portfolio

Please reach out to me with any questions, I’m here to guide you to your dreams.
  • (217) 652-4165


  • Office Address

    822 Florida A1A, Suite 354, Ponte Vedra Beach, FL 32082

  • NMLS: 506419

2021 SeaTrust Mortgage – NMLS: 1894879 – Equal Housing Lender

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SeaTrust Mortgage, a wholly-owned subsidiary of Community First Bank, Member FDIC. Equal Housing Lender – NMLS: 607801