

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
always great working with Joe
Reply from Joe Wells
December 17th, 2025 02:56 PM
Thanks for the positive feedback, greatly appreciated!
Kept me updated throughout the process and was very responsive to my questions, no matter the time of day.
Reply from Joe Wells
December 16th, 2025 07:07 PM
Thanks for the great feedback, and I am also very appreciative of you and your family's trust in me on such a big acquisition!
Joe was very informative and helpful taking any questions away
Reply from Joe Wells
December 8th, 2025 05:15 PM
Thanks for the positive feedback Wayne! I also appreciate you entrusting me with your new home purchase!
We closed quickly and got a great rate!
Reply from Joe Wells
November 21st, 2025 02:31 PM
Thanks for the positive feedback Malcom! Hope you guys have many happy years in your new home!
Thank you, Joe, for a smooth process and clear communication throughout. Truly appreciate your help .
Reply from Joe Wells
November 13th, 2025 09:02 PM
My pleasure Sahil! Hopefully we can further our relationship to assist you with more buyers!
Joe is the absolute best he makes this process super easy! He has all the awnsers highly recommended 💯Thanks Joe!
Reply from Joe Wells
November 13th, 2025 09:02 PM
Thanks Josh! I truly appreciate you and your positive feedback!
First time home owner, just closed on a home and Joe provided and outstanding support throughout all the home purchase process. His experience, dedication and communication make Joe the perfect candidate to work with. Totally recommend working...
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Reply from Joe Wells
November 10th, 2025 02:16 PM
Thanks for the positive feedback Daniel, and it was truly a pleasure assisting you guys with your first home purchase!!
Thank You for everything, Joe!
Reply from Joe Wells
November 6th, 2025 02:33 PM
My Pleasure Josh! Thanks for the confidence!
First time home owner, just closed on a home and Joe provided and outstanding support throughout all the home purchase process. His experience, dedication and communication make Joe the perfect candidate to work with. Totally recommend working...
read more
Reply from Joe Wells
November 5th, 2025 04:11 AM
Thank you Daniel for the very kind review and it was truly a pleasure working with you and seeing you guys so happy when you closed on your new home!
Joe's communication was awesome. Jump through a lot of hoops getting the job done for me.
Reply from Joe Wells
November 3rd, 2025 04:19 PM
Thanks DJ, happy to help and appreciate the patience!
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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