Rita Joyce

Rita Joyce
Community Mortgage Specialist, NMLSR # 737835

2230 Melrose Ave NW

Roanoke, VA 24017-6204

About me


Rita Joyce has been in the financial services and mortgage industries for more than 20 years, and serves the Roanoke Valley and surrounding communities and counties, including Henry, Franklin, Montgomery, and Pittsylvania. She knows that buying a home is a hopeful and exciting experience that often represents a milestone for her clients’ families, who may be in different stages of life and have unique economic situations and financial goals. Joyce specializes in helping low-to-moderate income clients by using her expertise in affordable mortgage loan products, assisting with down payment opportunities, and community outreach. While Joyce has a  vast knowledge of all loan programs—including FHA, VA, USDA, conventional, and state agency loans—she also guides clients to local not-for-profit agencies or housing counselors, who can provide credit knowledge, counseling, and help them prepare for homeownership.


Associate of Applied Sciences in Business Administrations
American National University

Personal interests

Rita has spent most of her life in southwestern part of Virginia and is extremely active in organizations and her community. Currently, she’s a third-term board member for the Total Action for Progress community action agency and board member for the Blue Ridge Mortgage Lenders Association (since 2019); a member of the Roanoke Regional Housing Network (since 2013), the Williamson Road Area Business Association, and the Roanoke Valley Association of REALTORS®; a Junior Achievement volunteer; and a train-the-trainer certified educator with Virginia Housing. Previously, she was an educator for the Virginia Blue Ridge Chapter of Susan Komen, a member of the Virginia Jaycees, a YWCA board member, and an athletic director and coach with the Inner City Athletic Association.

Areas of Focus

  • Choose how to position your mortgage comfortably within your overall financial picture, whether it’s to reduce your monthly payment, pay off your loan sooner, or get cash out for large purchases.

  • Whether you’re thinking about a new home now or further down the line, we have a variety of home loans and will help ease the mortgage process by answering your questions and making the experience as simple and straightforward as possible.

  • 100% financing at competitive rates and low monthly payments.

    • For qualifying veterans and surviving spouses.
    • 100% financing available with no down payment.
    • Borrowers exempt from monthly mortgage insurance premiums.
  • By first understanding how much you can afford to spend on a home and planning accordingly, you can buy your first home with confidence.  Calculate Now

First Time Home Buyer Popup


Certified Community Mortgage Specialist
Sterling Award
BB&T 2017


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Office hours


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