David Joyner with TowneBank Mortgage

06/25/2026

Not every buyer fits into a traditional income box. If you're working with self-employed clients, our Bank Statement Loans can help them qualify using real cash flow, not just what’s shown on tax returns.

✅ 12–24 months of deposits
✅ Flexible income calculation
✅ More approvals, fewer dead ends

I’m always available to walk through scenarios for your self-employed clients.

06/25/2026

Your home value may have gone up, but most homeowners never put that equity to work. A cash‑out refinance can turn built‑up equity into real dollars for things like debt payoff, renovations, or long‑term goals.

Ready to see what your equity could do for you? Let's connect.

06/25/2026

5.0 star review received on Experience.com for Randi Eure by Jason W P - There were some hiccups along the way but everyone got is through them

Click to see all 265 reviews of Randi Eure, Mortgage Loan Officer | NMLS # 71974

06/23/2026

5.0 star review received on Experience.com for David Joyner by Kristin L F - David was very friendly and accommodating. He made the mortgage process easy and was always there when we had any questions.

Click to see all 403 reviews of David Joyner, VP, Mortgage Sales Manager | NMLS # 116874

06/23/2026

We didn’t choose these words; our team did. When we asked loan officers to describe what it’s like to work here, these themes rose to the top. Culture isn’t a slogan at TowneBank Mortgage. It’s what we do every day.

06/22/2026

5.0 star review received on Experience.com for David Joyner by Charles E F - David was great to work with and made our buying experience easy. He kept us informed every step of the way.

Click to see all 402 reviews of David Joyner, VP, Mortgage Sales Manager | NMLS # 116874

06/20/2026

5.0 star review received on Experience.com for Randi Eure by Brenda L P - was very thankful you were very patient with me while in Ohio being with my father for medical issues. In the beginning, it seemed like a lot because there was always so many emails and so many messages but at the end of the day everything was cared for in a timely manner. I would highly recommend and I am very thankful that you showed up the day that we closed. Godbless you and take care of yourself and thank youess yo

Click to see all 264 reviews of Randi Eure, Mortgage Loan Officer | NMLS # 71974

06/19/2026

Today we honor the end of slavery in the United States and recognize the resilience, strength, and enduring spirit of the African American community. Let's continue to educate, advocate, and strive for equality and justice for all.

06/19/2026

5.0 star review received on Experience.com for David Joyner by Porsche P - Communication, speed, ease of portal, everyone was so nice and helpful helping us navigate a change in circumstances. 1,000 stars!

Click to see all 401 reviews of David Joyner, VP, Mortgage Sales Manager | NMLS # 116874

06/16/2026

5.0 star review received on Experience.com for David Joyner by Kevin Z - David and team jumped through hoops and made our mortgage experience the best one I've had yet!

Click to see all 400 reviews of David Joyner, VP, Mortgage Sales Manager | NMLS # 116874