Joyie Francisco grew up in small town America near Dallas. Later in her young career, she was a teacher before becoming a loan officer. Her heart is for education and that has carried over into the mortgage industry with a particular passion for the military, veterans, and their families. Joyie and her husband met in the military and personally have experienced the challenges of deployments and the unique lifestyle of military families. They are a dynamic team who love to educate and advocate for others to have the opportunity of the dream of homeownership. Together they specialize in VA loans and a wide array of residential and commercial products. Joyie works with her husband, Paul, and they are known as the Francisco Mortgage Team.

VVA4s are the professionals have earned this rank with time in service as well as exceeding minimum performance standards of VVA3. They have served a minimum of six months as a VVA3, met all performance metrics, and continued to submit their accountability tracking on time regularly. They will answer every question perfectly in accordance with the VA Lender Handbook guidelines, VA resources and, not just one lender's overlays. During these 6 months we are testing their hearts and minds. They will be the embodiment of our institutional core values of honor, courage, and commitment. We want to see the best showing up in VVA4; we want to see how they engage you, respond to your direct questions, and respond to questions that could benefit them but they will never take an individual position to gain through solicitation. We aim to achieve the change we want to find for you and protect you as a Veteran and Active Service Member. Changing the hearts and minds of those helping you is the only authentic way to make a difference. No regulation or rules will help because people are still the same in trying to find easy ways around rules. VVA4 are there to serve you because you serve our Country.

At VVA4 the professional will be eligible to serve as a Squad Leader. This challenge is to begin training peer to peer leadership in a unique way. These peers are not employees, they are not subordinates, they are unique peers that choose to follow and whose leadership must be earned. The minimum time spent in VVA4 will be approximately 1 year.