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
Great communication and feedback. I love how your system notifies me of updates on the loan process. I am looking forward to my next deal with Joe! Thank you Joe for all your hard work on this one.
Reply from Joe Wells
March 27th, 2026 06:16 PM
Thank you for the positive feedback and more importantly, entrusting me with you buyers! Greatly appreciated!
Huge thanks to Joe for doing an incredible job pushing this deal through and making sure we closed right on time!
Reply from Joe Wells
March 25th, 2026 11:55 PM
Thank you for the positive feedback and I greatly appreciate you and the confidence you had in me getting this done for the Huangs!
Joe was an excellent communicato. other than having to switch mortgage lenders late and pay
a higher rate with increased origination fees, the exper was good.
Reply from Joe Wells
March 19th, 2026 01:39 PM
Thanks for the positive feed back Nathan! Sorry we had to change Lenders, but happy we were still able to assist and close!
Joe is always on top of things and even when there are issues he has a response quickly to fix the situation. My clients enjoy working with him and so do I.
Reply from Joe Wells
March 18th, 2026 03:19 PM
Thanks for the positive feedback, much appreciated!
Responsive
Reply from Joe Wells
March 4th, 2026 07:57 PM
Thanks for the positive feedback Ben!
😊😁 will definitely work with Joe again
Reply from Joe Wells
February 13th, 2026 02:00 PM
Thank you for the positive feedback, and it does mean alot!
This was a smooth and seamless loan process, and everything was handled with incredible professionalism and speed.
Reply from Joe Wells
February 11th, 2026 02:12 PM
Thanks for the positive feedback, and more importantly, thanks for allowing me to assist you with your new wonderful home purchase!
Joe is very responsive and knowledgeable! Would definitely recommend!
Reply from Joe Wells
January 9th, 2026 03:18 PM
Hi, and I greatly appreciate the positive feedback as well as the confidence to allow me to assist with your refinance!
We had a great experience working with Joe on our mortgage. He was responsive, knowledgeable, and made the entire process smooth and stress-free. Joe took the time to explain everything clearly and kept us informed every step of the way. Highly...
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Reply from Joe Wells
December 22nd, 2025 05:52 PM
Thank you very much for the positive feedback, greatly appreciated!
Joe was very attentive throughout the entire process. He answered any questions promptly and made the entire experience seamless from start to close.
Reply from Joe Wells
December 18th, 2025 03:26 PM
Thank you so much for the positive feedback and also for allowing me to assist you and your family on this exciting 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