

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
Sat
24 hours
Sun
24 hours(Open now)
Mon
24 hours
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Reviews from Web
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! :)
Thank you Joe- A+++
Reply from Joe Wells
June 29th, 2026 03:23 PM
Thanks for the positive feedback and more importantly, the referral! :)
Joe was easy to work with, extremely knowledgeable, and prompt with responses. He kept me updated throughout the entire process. You can tell he cares greatly about his customers. Highly recommend!
Reply from Joe Wells
June 19th, 2026 04:40 PM
Hey Alexis, thank you so much for your positive feedback as it's greatly appreciated! Hope you enjoy your new Condo!
Joe's the man! He help us close a home that we thought was surely going to fall through. He's knowledgeable, responsive, and is the best to work with!
Reply from Joe Wells
June 12th, 2026 01:41 PM
Thanks for the positive feedback Marc, and more importantly, entrusting me to assist your buyer! Greatly appreciated!
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!
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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