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
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24 hours
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responsive to all of our questions and very eager to help us get through this process easily.
Reply from Joe Wells
August 15th, 2026 06:50 PM
Thanks for the positive feedback Chet! Also, very much appreciative of allowing me to assist you and Jamie with this purchase!
Joe was excellent throigh the entire process. quick response, great coordination, helpful answering questions , professional and very pleasant to work with. grateful to have him work on our first STR with us. will use again in the future as...
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Reply from Joe Wells
August 14th, 2026 01:37 PM
Thanks so much for the positive feedback Jamie :) And thanks for allowing me and my team to assist!
Having the opportunity to work with Joe with my out of state investor on his first condo rental in PCB was noth short of exceptional. Joe kept us updated throughout every phase of the process amd it was smooth sailing to the finish line! Nothing...
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Reply from Joe Wells
August 3rd, 2026 01:40 PM
Thanks so much for the positive feedback as well as allowing me to assist your client!
Joe was very knowledgeable and helped me understand and proceed though the process with ease. He took the time to throughly answer questions and was always avail when needed .
Reply from Joe Wells
July 31st, 2026 04:05 PM
Thanks for the positive feedback Ryan! It was truly a pleasure working with you! Congratulations!
Great service and was really easy
Reply from Joe Wells
July 31st, 2026 01:48 PM
Thanks for the positive feedback, and happy it worked out Justin!
Joe,
was pleasure to work with and is a great communicator.
Reply from Joe Wells
July 30th, 2026 12:40 PM
Thanks for the positive feedback Donny! And more importantly, thank you for allowing us to assist with your new home purchase!
Joe was very supportive through the whole process. He answered all of our questions that we had in a timely manner and helped facilitate everything smoothly. Our rate that he was able to get us was competitive and better than the average. Joe...
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Reply from Joe Wells
July 24th, 2026 12:27 PM
Thanks for the positive feedback as well as the opportunity to help with your new home purchase!
Overall a great experience and would recommend if I knew anyone in the area needing services. Thank you for all you do.
Reply from Joe Wells
July 7th, 2026 01:45 PM
Thanks for the positive feedback Reachel! Hope you enjoy your new Condo, and thanks again for allowing me to assist!
Joe got us to the closing table with no troubles.
Reply from Joe Wells
July 7th, 2026 01:45 PM
Thanks for the positive feedback Tabitha!
Joe was always available to answer all of my questions and find a solutions to any issues I had. I highly recommend him and don't thing anyone else could have assisted me in the way he did. I am very grateful!
Reply from Joe Wells
July 1st, 2026 01:44 PM
Hey, thanks for the positive comments! Greatly appreciated, and thanks again for allowing me to assist! :)
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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
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Memberships
- Big Brothers Big Sisters
- CPAR, Bay County Chamber of Commerce
Addresses and Serving Areas
Primary Serving Area
Other 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