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
Business Hours
Thu
8:30 AM to 7 PM
Fri
8:30 AM to 7 PM
Sat
8 AM to 5 PM
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Reviews from Web
Joanna was pro active through my whole experience. she mad sure that I was aware of what i needed for each step. She fought for me at everytime we had to an issue pop up. I would recommend her to any and everyone I know that is buying a home...
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Reply from Joanna Howard-Ferre' - Your Mortgag...
November 10th, 2026 08:01 PM
JesseThank you so much for trusting me to get this home purchase done for you - so honored to have assisted in the process with you! I'm always available even after the closing. Referrals are the best compliment of all! Your Mortgage Girl for...
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Joanna was very responsive and supportive. We had a complicated situation and Joanna navigated it wonderfully. Held our hands through the whole thing.
Reply from Joanna Howard-Ferre' - Your Mortgag...
August 27th, 2026 07:18 PM
Caitlin and Jamesonthank you for the review - so much appreciated! Thank you for trusting me to get your home purchase done for you - you both were great to work with, handling requests as needed to get the the finish line. Again, Congrats...
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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.
Reply from Owner
August 17th, 2026 03:02 PM
Lisa, I appreciate your recommendation and kind words. I'm glad I could assist you in securing a great rate and that you found the experience enjoyable. Thank you for choosing to work with me!
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!
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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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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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!
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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!
First Community Mortgage is an Equal Housing Lender | FCM NMLS ID 629700
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
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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
Primary Serving Area
Other Serving Areas
Year Started
2002
Time Zone
Central Standard Time (CST)
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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