Loan Officer • Flagler Beach, FL
Joy McCoy Flores
Broker OwnerIndividual NMLS #1096400
★★★★★ FLO Mortgage is rated 5.0 on Google
Apply for a HELOCTap your home equity with a fast online application- Phone(386) 882-9980
- ContactMessage Joy
- Office212 Moody Blvd
Flagler Beach, FL 32136
★★★★★ What clients say on Google
Read all reviews ↓About Joy
With a deep-rooted passion for helping individuals achieve their dream of homeownership, Joy is the Broker Owner of FLO Mortgage. Since entering the mortgage industry in 2015, Joy has cultivated a comprehensive understanding of the financial landscape, bolstered by a background in property casualty and title insurance. This diverse experience equips Joy with the insights necessary to navigate all facets of mortgage transactions effectively.
Prior to founding FLO Mortgage in early 2023, Joy successfully owned and operated a mortgage processing company. This venture not only honed her industry skills but also solidified her commitment to providing exceptional service. As a leader, Joy is dedicated to inspiring her team through integrity, knowledge, and professionalism, ensuring that every client receives the highest level of support.
Originally from the Midwest, Joy has made Florida her home for over 20 years. Beyond her professional pursuits, she is a proud Autism mom and a dedicated fan of the Kansas City Chiefs. In her leisure time, Joy enjoys boating with family and friends, embracing the Florida lifestyle.
At FLO Mortgage, Joy is not just building a business; she is empowering individuals to realize their aspirations of owning a home and beyond.
VA home loans
VA home loans with Joy
Joy works with veterans, active-duty service members, National Guard and Reserve members, and surviving spouses who are buying or refinancing with a VA loan. She can request your Certificate of Eligibility, check whether you're exempt from the VA funding fee, and walk you through the VA's residual income and appraisal rules before you start shopping.
How it works
- Talk with JoyA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in about 15 minutes.
- Get your optionsClear numbers side by side so you can choose with confidence.
- Close on timeRegular updates from approval to the closing table.
What clients say about Joy
Five-star Google reviews that mention Joy McCoy Flores, licensed loan officer and broker owner, individual NMLS #1096400.
“Joy Flores was the most attentive, kind, and professional mortgage broker I have ever worked with. She was prompt, efficient, and incredibly easy to work with.”
Amanda S. Dec 2025
“Joy was wonderful to work with and made our buying process a breeze! Always responsive to all our questions and helpful in every way.”
Jane A. Feb 2026
“Joy and her team are so helpful, efficient and professional. She made the process so stress-free, considering I was out of state and had to complete a lot of the process remotely.”
Cheryl C. Jun 2025
Show 3 more reviews
“I loved working with Joy. She was super fast, always attentive, and incredibly responsible… She’s a great person with extensive knowledge.”
Olga M. Feb 2026
“Joy’s team was a pleasure to work with. Answered all my questions, accommodated our requests, and let us know exactly where we stood in the process of closing the deal.”
Michael S. Mar 2026
“I would highly recommend as they were very communicative and efficient during a big move for our family. Thanks again Joy and team!”
Nathan L. Mar 2026
Excerpts from reviews posted on FLO Mortgage’s Google Business Profile. Each client’s experience is their own, and results vary. Read the full reviews on Google ↗
Loan programs
Compare your options with Joy
Not sure which loan fits? Read up on the programs Joy works with every day, or see them side by side.
Ready to talk with Joy?
Share a few details and Joy will follow up with your options.