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
If I had to put the service that Joanna provided in one word, it would be exemplary. I first got in contact early last year when I was purchasing a new house. The application process was a breeze and she kept me up to date and explained the...
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JoAnna is very pleasant to work with, very knowledgeable and precise, not to mention how super easy and quick she did our re-finance! Give her a call!
Joanna was patient, knowledgeable and a prompt communicator. We ran into a few snags but she promptly got me the information I needed to meet the underwriter’s condition. She got the job done!
Joanna made our refinance the easiest process in the world. She answered all of my questions and was so wonderful to work with. Without a doubt, Joanna will be the first person I go to in the future when it’s time to buy our next home. Thanks...
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I loved working with Joanna to refinance my mortgage. She helped me find a great option for my needs. She is super efficient and responsive and my loan was completed early. She put me at ease with her patient explanations and thorough knowledge...
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This was my second time refinancing with Joanna. She is thorough, detailed, courteous, and prompt. She was clear with the timelines, documentation requirements, and simplification. She guided me at each step and all the way through close. After...
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Joanna has been my go-to lender for years. She's always accessible and helpful. She works nights and weekends - just like Realtors do!I'm always thankful when my buyers choose Joanna; I KNOW it will be a smooth process!!!
Joanna was great! She made our refinancing process smooth and fast. I was hesitant at first but after speaking with her on the phone I felt completely comfortable moving forward. I am so happy with the overall turn around of my loan. Thank...
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Working with Joanna was a wonderful experience. From begin to end, she walked me through the entire process. Joanna was always available when I called. Very professional and courteous.
You will not go wrong with Joanna. She's absolutely fantastic and a pleasure to work with. She was able to handle a 30-day escrow without any problems. Communication was always present and available on the weekend. As long as you can provide...
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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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