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
Misleading
Fast, easy, Joanna answered all my wuestions with no pressure
Reply from Joanna Lerma Mann
June 30th, 2026 03:53 PM
Eric- it was truly my pleasure to get this done for you & appreciate your business. Please don't hesitate to reach out, for any loan assistance in the future.
Joanna was with us every step of the way and assisted us with questions or things that came up along the way. I am very pleased to have found her during this process!
Joanna is the BEST!. She was professional throughout the entire process, and she helped me in a unique situation and connected all of the dots! Would highly recommend working with her, and would do so again.
From initial inquiry to loan closure and disbursement Ms. Mann clearly explained everything and was true to her word. When handholding was required she was there. For any future financing needs I would always call her first.
The process of getting our HELOC through Joanna was pleasure. She answered all of our questions and was very thorough. She is the best we have dealt with and I recommend her to everyone.
Working with Joanna was a breeze! She was straightforward and helpful . I 1000% trust her . She made everything easy , and even the notary was a breeze ! So much better interest rates than other places too!
When Joanna reached out to me, I thought there was no use in trying to continue seeking out a home equity loan. I had hit dead ends with three other mortgage representatives who couldn't help for multiple reasons. When she assured me she could...
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In February, my dad had a great experience working with Joanna and successfully obtained a home equity loan within 2–3 weeks. Based on his referral, I reached out to her as well.Although we never met in person, I felt an immediate connection...
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We can’t say enough good things about working with JoJo Mann. As self-employed homeowners, securing a loan hasn’t been easy—especially after the challenges of COVID and the aftermath of Hurricane Ian, which impacted our financial records and...
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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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https://westcapitallending.com/texas-complaint
https://westcapitallending.com/licensing