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
❤ 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!
Joe got us a good rate with the mortgage terms we wanted. We closed on time. Great service!
Reply from Joe Wells
April 10th, 2026 02:06 PM
Thanks for the positive feedback Brynna! Enjoy your new Condo and I appreciate you entrusting me with you purchase!
Joe was very professional and so quick to respond, which made the process quick and easy. We truly appreciate all his diligence and hard work to make this process so smooth.
Reply from Joe Wells
April 2nd, 2026 02:19 PM
Thank you so much for the positive feedback, as it truly is appreciated!
Joe is very knowledgeable about loan products and is quick to respond. He also keeps constant communication throughout the process.
Reply from Joe Wells
April 1st, 2026 12:45 PM
Thanks for the positive feedback Dominic, and more importantly, entrusting me with your new purchase! Many thanks!
This was my first time buying a home. I didn't know what to expect And was a little scared being a first time buyer. Joe Wells was awesome. He was there for me all the way through. he was very polite and very professional. Thank you Joe. I...
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Reply from Joe Wells
April 1st, 2026 12:47 PM
Thank you so much Carol for the positive feedback! It was truly a pleasure assisting you with your new home loan! Feel free to reach out if you have any questions moving forward! Congratulations!!
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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