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
Joanne was wonderful, and she was transparent and supported!
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Hi Alex- It was such a pleasure to help you again with your finance goals! Wishing you all the best with your plans for the future & I am always eager to assist you both.
Thank you so much for!
Joanna
Jonanna kept right on top of things to get a time-sensitive loan to fund on or before May first. She keeps in touch.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Thank you for you kind words, Cynthia. I'm so happy we could get this done efficiently for you & look forward to assisting you or any of your friends with home finance solutions in the future. I truly appreciate your business & wish you blessings...
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Joanna listens to her clients and gives us what we need! She's very fast and easy to work with. This is my second loan through her, and I'm sure there will be more!
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Beth- thank you for your trust in my ability to get your home finance goals completed again. It's such a privilege to work for you & I am always available to your or any of your contacts for any loan information. Wishing you & the family blessings...
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If you want a loan with excellent customer service and a seamless process, pick Joanna!!This is my second home loan with her and I won’t use anyone else.
Working with Joanna Mann at West Capital Lending was an absolutely stellar experience from start to finish. Joanna is incredibly attentive, making sure every detail was handled with care and precision. What really stood out was her responsiveness—no...
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Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
It was a pleasure to assist with your home purchase. I'm so happy it's a home that you love & will continue to create magical memories there for years to come. If you guys or any contacts have any loan questions, please reach out any time....
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Working with Joanna Mann at West Capital Lending was an absolutely stellar experience from start to finish. Joanna is incredibly attentive, making sure every detail was handled with care and precision. What really stood out was her responsiveness—no...
read more
Joanna was so helpful from beginning to end. This was amazingly seamless because of the support and help of Joanna!
i can begin to express my gratitude. I am so very happy and own my first home!
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Thank you, Beth- for the opportunity to work for you guys in purchasing your home. I appreciate how efficient you were with the info needed to get your purchase closed quickly. Please feel free to reach out with any questions anytime. Congratulations...
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Joanna was very helpful explainig the details very clear since the beginning. Through the loan process she was always avaiable not only to answer questions but to help and advise to get to the finish line. After several real estate transactions...
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Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Jaime- it was such a pleasure to work with you & accomplish your home finance goals. Thank you for keeping me as a back-up, until we could ultimately complete your approval. Wishing health & joy always.
Warmest regards,
Joanna
She was encouraging and quickly resolved a few tasks where I stumbled in the loan application process.
Joanna was extremely helpful to get my HELOC close. Not only she offered a better deal that the bank I was working with but she also move everything very smoothly. Even more when I was have problems uploading documents she spent extra time...
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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 -
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