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 is extremely knowledgeable and patient
Reply from Joe Wells
September 12th, 2025 01:32 PM
Thanks for the kind words and I truly appreciate the opportunity of assisting you with your new home purchase!
answered every question quickly, very nice, all around easy to work with
Reply from Joe Wells
September 10th, 2025 03:36 PM
Thank you so much for the positive feedback and it’s greatly appreciated!
Joe made the transaction seamless and effortless it has been quite a while since I've done a transaction with Joe, but I will highly recommend in the future.
Reply from Joe Wells
September 9th, 2025 06:14 PM
Angie, I'm grateful for your feedback and for considering future recommendations. Knowing that your experience was seamless and effortless is important to me. If there's ever anything else I can assist with, please don't hesitate to get in...
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It was seamless and he was very easy to work with.
Reply from Joe Wells
September 1st, 2025 11:06 PM
I'm really glad to hear that the process was seamless and that you found it easy to work with me, Marcella. Making the experience smooth for you is always my goal, and it's rewarding to know when it goes well. If there's anything else I can...
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Joe was incredibly helpful and kept us on track to close on time. He was always available to answer questions, broke things down clearly, and guided us through each step of the process.I’d highly recommend Joe as a lender!
Joe Wells has a vast knowledge of the real estate financing industry, especially as it relates to non-warrantable properties which requires another level of insight. He also has great resilience and will work feverishly to get to closing. I...
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As a Realtor, a part of my job is also finding the best mortgage lender to take care of my buyers and work together to get them into their new home! Joe Wells goes above and beyond to make the process run smoothly from first introduction to...
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Reply from Joe Wells
September 4th, 2025 02:01 PM
Maci, your recommendation is greatly appreciated. It's rewarding to know that my efforts in collaborating with Realtors like you contribute positively to your clients' home-buying experiences. I aim to ensure each step is seamless, from our...
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Joe was extremely helpful in our homebuying process and made the process very easy!
Reply from Joe Wells
August 29th, 2025 08:16 PM
I'm thrilled to hear that I was able to make your homebuying process easier Drew,. Your feedback means a lot to me, and I'm glad I could assist you through this important step. If you have any more questions or need anything else in the future,...
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. knows his business through and through super efficient super positive experience.
Reply from Joe Wells
August 29th, 2025 08:14 PM
Hope, thank you for sharing your thoughts. I'm pleased to know that you had a positive experience and found my approach efficient. Knowing the business inside and out allows me to make the process as smooth as possible for my clients. If you...
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Perfectly smooth transaction! Very easy to work with and always available for any questions and assistance! He took the stress out of buying a new home in a new city!
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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