Joanna Howard-Ferre' - Your Mortgage Girl 4 Life's Cover Image
Joanna Howard-Ferre' - Your Mortgage Girl 4 Life - Sr. Loan Originator | NMLS ID 668373

Joanna Howard-Ferre' - Your Mortgage Girl 4 L...

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Sr. Loan Originator | NMLS ID 668373

First Community Mortgage - Murfreesboro, TN
Company Logo
University of Utah
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
Mortgage
Mortgage Loan Officer
Company Logo
University of Utah
University of Utah
Contact Info
(801) 750-5373
Salt Lake City, UT
https://www.firstcommunitymortgage.com/joannahowardferre
Location & Business Hours
Business Hours
Tues
8:30 AM to 7 PM
Wed
8:30 AM to 7 PM
Thu
8:30 AM to 7 PM
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Reviews from Web
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    Lisa S
    Posted on August 11th, 2026 12:36 PM
    I would definitely recommend Joanna Howard-Ferre. She was professional. She knew exactly how to help us and get us the best rate for the market and she was a pleasure to work with.
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    Ryan S
    Port St Lucie, FL
    Posted on August 11th, 2026 12:34 PM
    We loved working with her
    Reply from Joanna Howard-Ferre' - Your Mortgag...
    August 11th, 2026 04:52 PM
    Thank you so much Lisa and Ryan ! I look forward to assisting on the updated refinance to improve things even more down the road. I so appreciated working with you both!
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    Mariah H
    Posted on May 12th, 2026 06:12 PM
    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...
    read more
    Reply from Joanna Howard-Ferre' - Your Mortgag...
    May 17th, 2026 06:12 PM
    Mariah, I'm so grateful for your kind words. It was my pleasure to support you throughout the process and ensure your needs were met. I'm pleased to know that the outcome was positive for you. Thank you for trusting me with such an important...
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    Keven K
    Posted on April 14th, 2026 09:12 PM
    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...
    read more
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    Michael W
    Posted on March 18th, 2026 08:32 PM
    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!
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    Jo H
    Posted on March 18th, 2026 12:32 PM
    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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    Liliani W
    Posted on March 17th, 2026 09:18 PM
    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.
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    David P
    Lancaster, CA
    Posted on March 11th, 2026 11:09 PM
    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!
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    Rod M
    Posted on June 9th, 2023 10:00 PM
    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
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    Bridgette G
    Posted on December 20th, 2022 09:46 PM
    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 !
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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!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Down Payment Assistance
    Conventional Home Loan
    Mortgage Refinance
    Construction Loan
    Medical Professional Mortgages
    Adjustable Rate Mortgages
    USDA Loans
    Non-QM
    What is the Search Rank Score®?
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    Education
    • University of Utah
      Political Science
      Bachelor of Applied Science (BAS)
      University of Utah logo
    • Salt Lake Community College
      Criminal Law
      A.S. degree
      Salt Lake Community College logo
    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.
      • View All
    Disclaimer
    Equal Housing Opportunity

    ©2026 First Community Mortgage. All Rights Reserved.
    First Community Mortgage Corporation | NMLS ID 629700
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