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
I'm a first-time homebuyer. I heard a lot of promises from other home loan companies, but they all let me down in one way or another. Just when I thought I was going to lose the home of my dreams, Joanna Mann got involved and saved the deal.Now,...
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Joanna made the process simple and flawless. She was great to contact with any concerns. THANK
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
It was truly my pleasure to help you guys with your home financing solution. Wishing your family all the best.!
Joanna is very experienced and professional. She led me through the process and called me to discuss the documents I would be receiving. Joanna also took the time to explain nuances of the agreement and bring my attention to important details....
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Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Thank you so much, Kristin, for allowing me to work with you on your finance solutions. I really enjoyed chatting with you & appreciate your kind words. Please feel free to reach out anytime that you have any questions about any kind of finance/home...
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Joanna and her team worked tirelessly to close our loan on time after we had to switch lenders. She was very communicative and guided us through the whole process with ease. I would not hesitate to recommend her to anyone and we will definitely...
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Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Kelly, it was truly my pleasure to help you & George purchase your gorgeous home! Thank you for your kind words & I can't wait to see pictures as you make that house your home.
Step by step guidance and reassurance for the novice applicant with adequate response time for all concerns.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Mario- I appreciate the opportunity to work with you & get your financial goals met. Please reach out if I can be of any assistance in the future!
I have gone to Joanna twice. Her response and actions was always professional and I never ever walked away confused. Her word and actions are golden. Trust this person with all I have.
All I can say is, if she calls you, take her on as your mortgage broker! She won't fail you and will find a solution should any barriers get in the way of your goals.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Kandy, I am so glad that we navigated our way to your approval from the construction loan. I appreciate your trust & knew that with your successful self-employment, we could fulfill your goals. Please reach out with any financing questions...
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From start to finish everything was as expecte.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Hi Damon- So glad we could work together to get this done for you! Please feel free to reach out, if I can assist with any personal or commercial loan info in the future.
It's was pretty good.
Joanna worked hard to get me approved and everything was done quickly. She kept me updated along the way. Very good experience.
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Christy- it was such a pleasure to work with you & get this completed for you. If I can assist with any loan information in the future, please let me know. Wishing you all that brings you joy, Christy.
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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