Joanna Howard-Ferre' - Your Mortgage Girl 4 L...
Sr. Loan Originator | NMLS ID 668373
University of Utah
Joanna Howard is a premiere mortgage loan officer located in Salt Lake City, Utah. She prides herself in offering some of the lowest rates nationwide, making the loan process simple, straightforward, and smooth for borrowers seeking a mortg...... Show More
Contact Info
Salt Lake City, UT
Location & Business Hours
Friday
8:30 AM to 7:00 PM
Saturday
8:00 AM to 5:00 PM
(Open Now)
Sunday
8:00 AM to 5:00 PM
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Reviews from Web
Joanna was excellent and diligent and getting us all the requirements that we had to meet our financial situation. She had our best interest at heart at all times throughout throughout the process, even when times got hard and things seemed...
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It as really great working with Joanna .shes really fast and great at communicating.she goes above and beyond to help you get exactly what you want !
Reply from Joanna Howard-Ferre' - Your Mortgag...
April 16th, 2026 03:49 PM
KevenThank you so much for the review - it supports my business and means so much! So appreciated. We need to connect to look at refinancing and get that rate improved along with monthly payment!! Much easier process Your Mortgage Girl for...
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As a Realtor here in California, I’ve worked with countless lenders, and Joanna truly stands out from the rest. She is incredibly sharp, proactive, and knows how to navigate the complexities of our market. She does a fantastic job of keeping...
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Reply from Joanna Howard-Ferre - First Communi...
March 18th, 2026 08:58 PM
Thank you Mike! So appreciated coming from a realtor and friend!
I’ve been working with Joanna for many years and have been greatly satisfied with her services. She’s always available for us whenever we had questions or uncertainties. She’s very professional and highly knowledgeable. She works very hard...
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Reply from Joanna Howard-Ferre - First Communi...
March 18th, 2026 04:46 PM
Thank you Jo-Ann! I so appreciate your referrals as a realtor and friend. You've always considered me with your clients including our own mortgage needs and that means the world to me. I'm here to to support your business as well!! Our friendship...
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I worked with Joanna first in 2018 when we purchased our first home and worked again with her in 2025 when we refinanced. She was great! She’s so determined to get things done and has always gone above and beyond for us! I appreciate her integrity...
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Reply from Joanna Howard-Ferre - First Communi...
March 17th, 2026 09:43 PM
Liliani Thank you so much for the review! I so adore you, Chauncey and your beautiful family. I look forward to talking again in the near future. I'm always here for you if needed.
Your Mortgage Girl For Life.
Joanna has explained everything to me in easy terms and showed great patience despite my own ignorance of many key parts of the refinancing process.
Reply from Joanna Howard-Ferre - First Communi...
March 12th, 2026 06:27 PM
Thank you David. You did just fine in the process and made it easy for me to get your refinance done. I'm always here for you when needed. A referral is the greatest compliment.
Your Mortgage Girl For Life!
Joanna is a phenomenal loan officer. She knows her job and does it amazingly. The mortgage approval process has many moving parts, she knows them all and knows them well. You can't go wrong with her, she will help you and make sure you get...
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Reply from Owner
June 11th, 2023 04:04 AM
Rod, thank you so much , this means alot !! Realtor feedback is so amazing and important
Joanna Howard was AMAZING through my loan process extremely knowledgeable. The best part about working with her, she was able to improve my credit score so I could get into a fixed loan without having to pay higher interest. I went through...
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Reply from Owner
December 20th, 2022 11:38 PM
thank you so much for the review Bridgette! It's so much appreciated and supports my business !
We as a family decided to buy a home in Florida and Joanna played a key role in helping with the financing. We were referred to her by a neighbor and had never met with her in person, but it almost felt like we have been friends for ages. She...
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Reply from Owner
October 31st, 2022 09:18 PM
It was my honor to assist in your purchase goals - I'm both excited and grateful with all the moving parts with the new build (Hurricane) we made it happen - teamwork makes the dream work ! Joanna
Joanna at Luneta Home Loans was wonderful to work with! I had been working with another lender for 3 months and couldn't get an approval, so I reached out to Joanna and got an approval in less than 24 hours! My loan wasn't easy, but she got...
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About
Joanna Howard is a premiere mortgage loan officer located in Salt Lake City, Utah. She prides herself in offering some of the lowest rates nationwide, making the loan process simple, straightforward, and smooth for borrowers seeking a mortgage. Although Joanna is located in Utah, she is also licensed in 47 other states so no matter where you go, she will be able to help you with your home mortgage needs!
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Education
- University of UtahPolitical ScienceBachelor of Applied Science (BAS)
- Salt Lake Community CollegeCriminal LawA.S. degree
Memberships
- Veterans Mortgage Assistance
Addresses and Serving Areas
Year Started
2002
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS # 668373
Hobbies
- Volleyball
- College and NFL Football
- Swimming with Dolphins. Love anything Ocean related.
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First Community Mortgage Corporation | NMLS ID 629700
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