

Joe Wells
We are committed to offering qualified borrowers the lowest mortgage rate and the best, most reliable customer service. Our mission is to serve our customers with honesty, integrity, and competence while providing them with home mortgage lo...... Show More
Location & Business Hours
Business Hours
Tues
24 hours
Wed
24 hours(Open now)
Thu
24 hours
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very Knowledgeable
Reply from Joe Wells
June 9th, 2026 01:17 PM
Thanks for the positive feedback Jennifer and hope you enjoy your new home! I appreciate you entrusting me and my team for this!
Joe took us poor, pitiful first time home-owners with no realtor and hoisted us to shining success...even closed quicker than expected because of his guidance! Thanks Joe!
Reply from Joe Wells
May 26th, 2026 01:44 PM
Thanks for the positive feedback Hannah! So happy for you and Titus!
Overall great experience thanks!
Reply from Joe Wells
May 26th, 2026 01:45 PM
Thanks for the positive feeback! So happy for you and Hannah!!
Joe was so great to work with!! This was a very frustrating process at times but his hard work and dedication to make it happen was amazing. We are so thankful for everything and will be our go to anytime we are in need! Thanks again for making...
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Reply from Joe Wells
May 19th, 2026 01:33 PM
So happy for you guys! Thanks for the positive feedback, and also for entrusting me with your new purchase!
❤ Thanks for working a mericle. All parties are super happy.
Reply from Joe Wells
May 19th, 2026 01:36 PM
Thanks for entrusting me with your clients and super happy for everyone involved!
Joe was exceptionally professional, responsive, has a complete understanding of the process. He was friendly and I enjoyed working with him.
Reply from Joe Wells
April 30th, 2026 03:34 PM
Thanks for the positive feedback Mr. Summerbell, and you were a true pleasure to work with! Thanks for entrusting me with your new purchase!
Joe is a rockstar
Reply from Joe Wells
April 29th, 2026 04:52 PM
Hey Robbie, thanks for the positive feedback and more importantly, entrusting me with Mr. Summerbells' new purchase, greatly appreciated!
Not necessarily Joes fault it was a rush deal. we had had been fully approved by another lender whe we found out property wasn't something they could loan on. lots of changes and requests up until the last minut. cost us a lot more money too....
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Reply from Joe Wells
April 22nd, 2026 01:10 PM
Thanks for the feeback Shelly and I know the process did not goes as smoothly as we all would have liked, but ultimately I am happy that we were able to close :)
Worked well to get us closed. Thank you for your hard work to help us get it closed.
Reply from Joe Wells
April 20th, 2026 02:21 PM
Thanks for the positive feedback and also allowing me to assist!
Joe was great to work with! Quick. Thorough, Efficient. Thank you for helping my clents!
Reply from Joe Wells
April 13th, 2026 03:03 PM
Thanks for the positive feedback Jess!
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About
We are committed to offering qualified borrowers the lowest mortgage rate and the best, most reliable customer service. Our mission is to serve our customers with honesty, integrity, and competence while providing them with home mortgage loans with the lowest interest rates and closing costs possible.
Company NMLS: 1749719
State Licensing: FL, TX, CA, NJ, VA
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
HELOC, Fix N Flip, Jumbo, Condotel, Non-Warrantable Condo, Non-QM
Conventional, VA, FHA, USDA, Jumbo, DSCR, Condotel, Non-Warrantable, NonQM, Bank statements, etc
Conventional, Jumbo, FHA, VA, USDA, DSCR, Investment, Bank Statements, Condos
Residential Lending
Residential lending, Conventional, FHA, VA, USDA, Condos, bank statements, DSCR, Non-QM
Search Rank ScoreLearn More →
435
/850
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Memberships
- Big Brothers Big Sisters
- CPAR, Bay County Chamber of Commerce
Addresses and Serving Areas
Year Started
1999
Time Zone
Eastern Standard Time (EST)
Licenses
- 1040526
Achievements
- Top 1% of Mortgage Originators 2020
Hobbies
- Boating, Golf, Pickleball
- Boating, Golf, Pickleball, Cornhole, Beach, Skiing
- Boating, Beach, Pickleball, Golf
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Disclaimer
Company NMLS: 1749719
State Licensing: FL, TX, CA, NJ, VA
United Direct Lending NMLS ID # 1749719
