Joyce Annette (Joy) McCartin, 83 of Beallsville, MD, died March 31, 2026 at her home in the company of her family. Born February 5, 1943 in Hyattsville, MD, she was the daughter of  Anthony S. and Genevieve U. Santucci. 

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Joy worked in the mortgage banking field her entire adult life, starting as the first female loan officer in Montgomery County, MD in 1960 and going on to own her own mortgage company and, in her last thirty years, her company, Mortgage Processing Center, which processed loans for mortgage brokers in several states. She completed her final two loans a few days before her death. 

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Joy also owned the Joy of Creation in the Quince Orchard Shopping Center where she and others made and sold crafts. In the early 2000s she and her brother Dan owned and operated the West Diamond Grille restaurant and bar in Gaithersburg, MD. She also owned and operated Old Oaks Tea Parlor at her home in Beallsville, where she put on tea parties for children and adults with her dear friend Reneta Funk. She also hosted weddings and other gatherings at her property.  

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Joy was active in her church, St. Mary’s Catholic Church and Shrine of Our Lady of Fatima in Barnesville, MD. She was twice Prefect of Sodality. She was most proud of introducing 15- year old Saint Carlo Acutis to Montgomery County, showcasing his compilation of over 150 miracles concerning the Holy Eucharist. Joy also ran the Craft Table at the Church’s annual Chicken and Ham and Turkey Dinners for over 20 years.  

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Joy loved singing. She sang with her father’s band, where her father played the banjo and drums, her uncle played the keyboard and Jimmy Dean was an occasional guitarist. After coming in second in the 1960 Miss Rockville contest, she turned down an offer by her professional accompanist to join him as a singer on a cross country tour. Some of her most fun times were entertaining her grandchildren and the children at her daughter Lynee’s La Petite Day Care Center. She would dress up as a Clown or Mother Goose and sing and read stories to the children.  

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Joy is survived by her loving husband, Tom McCartin, her children, Gregory S. Earp of Dagsboro, DE, Cynthie Corcoran (Kevin) of Newburg, MD, Corie Meese of Inwood, WV and Lynee O’Connor (David) of Carlsbad, CA; her grandchildren, Tayler Corcoran Duran (Bryan), with a great grandchild on the way, of Denver, CO, Kameryn Corcoran (Adam) of Seattle, WA, Raegan Corcoran Tuckey (Ryan) of Birmingham, AL, Kyle Meese of Columbus, OH, Kendle Meese Rennie (Jarrod) of Cle Elum, WA, Ryan Weston of San Diego, CA, Hannah O’Connor of Los Angeles, CA and Sydney O’Connor of Minneapolis, MN. She is also survived by her sisters, Peg Leonard of Martinsburg, WV and Jennine Cornell of Poolesville, MD and her brother Bryan Santucci (Susan) of LaPlata, MD, also by many nieces and nephews, and her beloved dogs, Shep and Finn. Her brothers, Gary and Dan Santucci, preceded her in death.

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The family will be receiving friends on Friday, April 17, 2026 from 5:00 pm to 8:00 pm at Hilton Funeral Home, 22111 Beallsville Road (Route 109), Barnesville. The funeral will be at St. Mary’s Catholic Church, 18230 Barnesville Road, Barnesville, MD on Saturday, April 18, 2026 at 11:00 am with burial on site, followed by a Celebration of Life in St. Mary’s Pavilion. Joy wanted to celebrate life, so for those who come, please dress joyfully.