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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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Location & Business Hours
Business Hours
Tues
24 hours
Wed
24 hours(Open now)
Thu
24 hours
Overall Ratings
4.87
(358)
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Reviews from Web
  • 4.25
    Arive
    J
    Jennifer W
    Posted on June 9th, 2026 12:38 PM
    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!
  • 5.0
    Arive
    H
    Hannah W
    Posted on May 24th, 2026 02:06 PM
    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!
  • 5.0
    Arive
    T
    Titus H
    Posted on May 24th, 2026 01:39 PM
    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!!
  • 5.0
    Arive
    F
    Franklin R
    Posted on May 19th, 2026 01:31 AM
    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...
    read more
    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!
  • 5.0
    Arive
    J
    Jean M
    Posted on May 18th, 2026 06:41 PM
    ❤ 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!
  • 5.0
    Arive
    M
    Michael S
    Posted on April 30th, 2026 03:31 PM
    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!
  • 5.0
    Arive
    R
    Robbie H
    Posted on April 29th, 2026 04:19 PM
    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!
  • 4.75
    Arive
    S
    Shelly C
    Posted on April 21st, 2026 08:49 PM
    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....
    read more
    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 :)
  • 5.0
    Arive
    J
    Jason C
    Posted on April 20th, 2026 02:00 PM
    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!
  • 5.0
    Arive
    J
    Jess F
    Posted on April 10th, 2026 11:32 PM
    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!
  • 10 of 358
    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
    435
    /850
    Search Rank Score
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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
    • View All
    Disclaimer
    Company NMLS: 1749719 State Licensing: FL, TX, CA, NJ, VA
    Equal Housing Lender

    United Direct Lending NMLS ID # 1749719