Joanna Lerma Mann
Branch Manager
With a rich history of 23 years as a licensed mortgage banker, I have the expetise to guide you to your mortgage solution with ease and value. My knowledge of Conventional, FHA, VA, NonQM, Commercial & Heloc programs will allow me to secur... Show More
Location & Business Hours
Business Hours
Thu
8 AM to 7 PM
Fri
8 AM to 7 PM
Sat
9:30 AM to 3 PM
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Reviews from Web
This was my second time calling Joanna for assistance, and she delivered again. She’s very knowledgeable, and was able to answer any questions or concerns without hesitation. Joanna is easy to talk to, and makes you feel like you’ve been a...
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This was the 2nd time we've worked with Joanna, and have been really pleased with her assistance. She was available to answer our questions, and very knowledgeable of the process in getting our Heloc. When the time comes, we will definitely...
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Joanna's support with easy and clear communication consistent throught the whole process.
excellet service from Joanna
Reply from Joanna Lerma Mann
September 8th, 2026 05:53 PM
Evelyn, it was such a pleasure to work with you & complete your finance solution. Please reach out any time. if I can assist with any future needs. Wishing you blessings!
This is my second loan with Joanna. She is amazing!
Reply from Joanna Lerma Mann
July 31st, 2026 01:54 AM
Tony- I truly appreciate the opportunity to work with you again. So glad we got you the optimal solution! Please keep me in mind, if anyone else you know has need for any loan information. Wishing you & your family blessings on top of blessings!...
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The ease and somewhat good flow with documents.
Closing time was record fast! She was unbelievably helpful and kind. She helped every single step of the way and she is brilliant!! Best we have ever worked with!
Joanna was absolutely amazing, sincerely. She worked so hard for us and got our loan closed in only a few days time and funded record fast. I can't express enough her diligence and kindness, she's is extraordinarily great!! Thanks so much to...
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Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Thank you both for the opportunity to work with you. Really appreciate your efficiency in getting the documents needed, so our team could take care of the rest. Wishing your family all the best. Please reach out anytime.
Love working with Joanna! Great communication and no hassle friendly service! Highly recommended!!
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Such a pleasure to work with you again, Ricky! Glad to be able get you an even better rate this year. Wishing you every joy ahead!
Joanna was amazing to work with and got us our money so quick. I will refer her and west capital lending to anyone. Thank you Joanna.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Chris- It was my pleasure to assist you & get your best solution completed for you guys! Wishing you all the very best with your business!
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About
With a rich history of 23 years as a licensed mortgage banker, I have the expetise to guide you to your mortgage solution with ease and value. My knowledge of Conventional, FHA, VA, NonQM, Commercial & Heloc programs will allow me to secure your best tailored options. Whether this is your first home purchase or you're accessing equity to optimize your finances- I will give you clear expectations and updates, so you can concentrate on all the other facets of life. I love what I do and look forward to assisting you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Non-QM
Reverse Loans
Interest-Only Mortgages
Specialities
Spanish speaking
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Positions
- West Capital Lending - Sr. Loan OfficerAug 16th, 2021 - Current
- West Capital Lending, Inc - Sr. Loan OfficerAug 16th, 2021 - Current
Memberships
- NMLS
- DRE
Addresses and Serving Areas
Primary Serving Area
Year Started
2002
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 216276
- DRE # 01850444
Hobbies
- Gardening, Painting, Sourdough Baker, Knitting, Hiking, Biking
Disclaimer
WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Copyright ©
2026
West Capital Lending, Inc.
All Rights Reserved. | NMLS# 1566096 DRE# 02022356 -
NMLS Consumer Access (https://nmlsconsumeraccess.org)
https://westcapitallending.com/texas-complaint
https://westcapitallending.com/licensing