Joe Wells
Sr. Loan Officer
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
Wed
24 hours
Thu
24 hours
Fri
24 hours
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Reviews from Web
Joe Wells has a vast knowledge of the real eatate financing industry, especially related to these types of non-warrantable properties which require another level of experience. On top of that, his follow thru and resiliance to getting the loan...
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Reply from Joe Wells
July 14th, 2025 02:22 PM
Chris, thank you for such thoughtful feedback. I'm glad my experience with non-warrantable properties was beneficial to you. I strive to provide real-world solutions and ensure every loan process reaches a successful close. Your words about...
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This Was my first time buying a home and Joe made it so easy for me and did everything he could to get me the right numbers and made it such a smooth process I'd recommend him to anyone, he was amazing! He went above and beyond to help me throughout...
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Reply from Joe Wells
June 24th, 2025 01:08 PM
I'm thrilled to hear that your first home-buying experience was smooth and that I could assist in finding the right numbers for you. Your recommendation means a lot, and I'm grateful for the opportunity to help you through this important journey....
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Just stayed on top of things and great communication.
Reply from Joe Wells
June 16th, 2025 05:00 PM
I'm glad to hear that you appreciated the communication and attention to detail during the process, Lisa. It was a pleasure working with you, and I'm grateful for your positive feedback.
Joe, communication was frequent and appreciated
Reply from Joe Wells
June 16th, 2025 03:48 PM
Thanks Dalia, and it was truly a pleasure assisting you! Congratulations!!
Joe made everything very easy and streamlined. He was always available for any questions we
Reply from Joe Wells
June 10th, 2025 01:52 PM
Thanks Abbi, it was truly a pleasure working with you and very happy for you both!
Joe was very good at everything he does making sure that I was kept up to date and making sure it was all done.
Reply from Joe Wells
May 20th, 2025 09:06 PM
Thanks for the feedback Cam, and I am super excited for you guys!!
Joe Wells has received a review with 5 star rating from Sherri K
Reply from Joe Wells
March 31st, 2025 08:06 PM
Thanks Sherri! We are thankful for the opportunity to assist, and you were super to work with!
Joe Wells has received a review with 5 star rating from Sherri K
Reply from Joe Wells
March 31st, 2025 08:06 PM
Thanks Sherri! We are thankful for the opportunity to assist, and you were super to work with!
Joe and Kathy were excellent to work with you. They were able to get me closed in less than a month all while I lived out of town.
Reply from Joe Wells
April 9th, 2025 04:15 PM
I'm thrilled to hear that you had a great experience working with us, Sherri. It was a pleasure assisting you alongside Kathy, and I'm glad we could facilitate a smooth closing process for you despite the distance. Thank you for your kind words...
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Joe and Kathy were excellent to work with you. They were able to get me closed in less than a month all while I lived out of town.
Reply from Joe Wells
April 9th, 2025 04:22 PM
I'm thrilled to hear that you had a great experience working with us, Sherri. It was a pleasure assisting you alongside Kathy, and I'm glad we could facilitate a smooth closing process for you despite the distance. Thank you for your kind words...
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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