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
Joanna was absolutely wonderful to work with and she made the loan process so easy and comfortable! She is not only knowledgeable but she went out of her way to anticipate and present several options that might be a better fit for my circumstances...
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I truly cannot say enough great things about my experience working with Joanna. This was by far the smoothest, most effortless loan process I’ve ever gone through. Even with a strong credit score and solid equity, being a business owner often...
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Joanna was incredible to work with. She took her time going over everything with me and made sure to answer all of my questions. She was extremely efficient. I couldn’t believe how quickly my loan funded. I highly recommend Joanna .
I can’t say enough about my experience. I have never had a loan go through any smoother or easier then I did with Joanna. Granted I do have a high credit score and equity but with owning my own business, I do not show as much income. I tried...
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I recommend if you’re buying a home or refinancing and etc. She is the one you need to call she really takes pride in helping to make sure her clients get the best options for there situation and she is with you til the end of process. it’s...
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Working with Johanna was a major relief from a horrible experience that we were going thru at the time Johanna walk us through when we came to a stumble in the loan process quickly always like her response time unlike the other lender after...
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Joanna explained in detail the different options I had available to me better than the other two lenders I was also talking to who seemed to be pushing me to take particular loans taking out more money than I needed. Talking with other lenders...
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Joanna was amazing! She was able to do what other Lenders could not do and in record time! And the best part is that she made it so easy!! Highly recommended! Don’t hesitate and take advantage of Joanna’s services! You’ll be so glad you did!...
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I was in the process of getting a HELOC but was running into too many issues with other lenders; Until Joanna Mann came into the picture. She is so professional and very positive in her conversations with me which gave me and my wife a lot...
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I was looking to do a mortgage loan to help pay for lineman college and joanna made the whole process a walk in the park. On top of being very friendly she made sure I knew about all parts of the loan process and what I was getting into. Her...
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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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