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
She helped and explained everything I needed to know about my loan in a way that was easy to understand. Was very quick to get me the files and documents needed and was overall nice and pateint with me.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Troy- Thank you for allowing me to get your loan completed for you. It was such a pleasure to connect, understand your goals and get your approval completed ASAP. Please reach out anytime, I’m so happy to be of assistance.
She really tailored her solutions to my personal situation and what would work best for me. Also, super patient with my lack of knowledge about loan processes.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Janis, I am so glad that we connected for your home solution. Working with you was a pleasure- you're sharp & got every step completed so efficiently. I look forward to working with you in the future.
Warmest regards,
Joanna
Joanna made eveything seamless and easy.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Elizabeth, I’m so happy we could get this done for you quickly and efficiently. Thank you for your trust and happy to help you with anything in the future. ~ Joanna
Joanna was great to work with. Friendly, efficient and very knowledgeable.
The HELOC process was always a huge hurdle that we avoided. Joanna however was extremely knowledgeable and patient. She promptly returned calls and always kept us informed. Very pleasant and always went the extra mile to ensure that all our...
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The loan officer that cared and took the time to explain made all the difference
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
I'm so happy to have helped your family! Please keep me in mind for any future requests & feel free to share my contact info with anyone else you know. I would love to assist them with any home finance solutions. All the best to you in 2026...
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Joanna was helpful, friendly and diligent. Easy to communicate with and always willing to look at options. Highly recommend.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Thank you for allowing me to complete your savings approval for you, Jonathan. It was a pleasure to work with you!
on communicating with us always reaching out if there is any problems, she likes to troubleshoot if issues arise, and explains clearly on the terms of the loan very friendly
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Glad we could complete your approval & you guys are such a pleasure to work with! All the best to your family!
Ms. Mann wasopen and honest with us. The process was quick and easy.
I was interested in borrowing some money against an investment property I own. I was solicited by several mortgage brokers and decided on one out of Michigan. They cheated me out of several hundred dollars in appraisal fees and then they wouldn't...
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Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Thank you for you kind words & your trust in our team, Norris! It was such a pleasure to work for you on this & I look forward to being available to you & your friends for any other finance needs in the future. Wishing you nothing but the best!...
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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