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Joylynn Gutierrez

Senior Loan OfficerLeave a Message

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About

Armed with a wealth of industry knowledge and nearly two decades of mortgage lending experience, I am ready to help you find your dream home! First Mortgage Solutions offers a wide array of products, making it easy for us to find the smart and comfortable solution for you. I'm ready to partner with you, however that may look; whether you are searching for your first home, looking for more room (or, maybe a little less), or ready to jump in to the investment real estate market. Whatever your goal is, I'm confident my experience, and the products First Mortgage Solutions offers, can get you there!

I grew up in Kansas and the responsibility, honesty, and work ethic my upbringing instilled in me is something I would never trade. I have a natural desire to help others, strong morals, and a passion to always do my very best. You will see these ideals shine through in every step of our work together. I graduated from Kansas State University with honors as a dual major in Management and Marketing. I also attained my Master’s in Business Administration from KSU.

I moved to Lawrence in 2014 and fell in love; not only with the town but with my husband. Recently married, we've brought together our two families to form our "Mini Brady Bunch," consisting of our two high school-aged daughters and two middle school-aged boys. They keep us busy with an array of sports and activities. When we aren't shuffling the kids, my husband and I are both very active in our community, but we play hard, too. We've tackled 14'ers, various runs, cycling, and traveling together. My family (and our fur babies) are my world and I feel very blessed every day to have them. I look forward to working with you!

Monthly Mortgage Payment Calculator

How much can you expect to pay in monthly mortgage payments, including PMI? Use this mortgage calculator to estimate monthly payments and closing costs at different interest rates, loan terms, and down payment amounts.

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Mortgage Term Definitions

Home Price

This is the full price of the home you would be buying.

Down Payment

This is the amount of money you would need to provide at the time of closing that would count towards ownership of your home. Keep in mind, you would also need to pay closing costs and other fees in addition to the down payment.

Mortgage Interest Rate

This is the percentage you would have to pay the lender for the money you've borrowed. Interest rates are based on your credit score and several other factors, as well as market fluctuations.

Property Taxes

This is a tax levied by the government where the property is located based on the property's value.

Private Mortgage Insurance (PMI)

This is an insurance policy lenders require of borrowers who put down less than 20% of the home price to protect the lender against borrower default.

Homeowners Insurance

Lenders require that borrowers purchase homeowners insurance, also known as hazard insurance, to protect your property and personal possessions from certain types of crime and weather-related damage.

Homeowners Association Dues

It is common for condominium and townhome owners to owe association dues to cover building amenities, maintenance, and improvements.

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About First Mortgage Solutions

First Mortgage Solutions is a family owned and locally operated Mortgage Company founded on the principles of Honesty, Integrity, and Experience.

Headquartered in Kansas City, Missouri, First Mortgage Solutions is licensed in 17 states, as well as with the Federal Housing Authority (FHA), the Veterans Administration (VA), and the United States Department of Agriculture (USDA), and has numerous locations in both Kansas and Missouri.

Specializing in refinance, purchase, home equity, and debt consolidation loans, it is our goal to find the best possible loan program for each individual homeowner. We realize that every one of our customers has a unique financial situation and goals, so it is imperative to us that these situations are taken into account and those goals are met when choosing the right loan program for every person. At First Mortgage Solutions, we do not offer any “Special Limited Time” offers, or charge any hidden fees. We simply take a consultative approach to lending in order to locate the perfect loan program, for each homeowner, every time.




Our Principles:
It is our vast experience in the industry, coupled with our principles of honesty and integrity that will help continue and strengthen our customers’ pursuit of the American Dream.
Honesty
Honesty is important to people when dealing with their greatest financial asset. First Mortgage Solutions is a no nonsense, no hidden fees, up-front residential mortgage lender. Our customers are comfortable doing business with us because we take the time to educate them on the entire mortgage process, from application to close. We take the time to get to know our clients’ total financial picture in order to match them with the right type of loan program.
Integrity
Integrity, in our office, means a firm adherence to a code of strict moral values. It is of great importance to our company that we operate every day with a sense of natural integrity. The current public view of the mortgage industry is one that has been clouded previously by amoral and dishonest behavior through the agency of our peers. Conversely, at First Mortgage Solutions, we adhere to our strict moral code of integrity in everything we do. By doing this, we intend to do our part, to reshape our industry’s reputation with every one of our customers, one at a time.

Experience

Experience is the third, and final, vital part of our company’s foundation. The team at First Mortgage Solutions boasts over 75 years of experience in the mortgage industry. Our team members know what it takes to complete each transaction timely and in a comfortable manner to all parties involved. Our comprehensive experience enables us to consult with our clients and make all of their financial options available to them. First Mortgage Solutions has the experience you can trust to know that you are in good hands.

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