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
Super easy process, great communication, Joe Wells was especially good. We will always come back to them for any future deals. Just a great overall process.
Joe was amazing. He explained everything thoroughly and was very patient. Very helpful throughout the entire process. He was also very responsive when we had questions.
Secong loan through Joe, easy to work with, great communication, just a great overall process!!
Reply from Joe Wells
August 26th, 2025 01:02 PM
Dwayne, thank you so much for coming back for a second loan. I'm delighted to hear that working with me was a straightforward and positive experience. Effective communication is something I strive for, so I'm pleased it stood out during the...
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Always takes great care of my buyers.
Reply from Joe Wells
August 22nd, 2025 02:08 PM
Thank you, Ericka, for your feedback. I'm happy to know that you trust me with your buyers and that my commitment to their needs is appreciated. It's important to me that each buyer feels well taken care of throughout the process. If there's...
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Excellent lender – professional, responsive, and made the process smooth from start to finish. Highly recommend!
Reply from Joe Wells
August 19th, 2025 06:48 PM
Marina, thank you for your fantastic feedback! I'm really pleased to hear that you found the lending process smooth and that my professionalism and responsiveness met your expectations. Your recommendation is greatly appreciated. If you ever...
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Joe was a pleasure to work with an involved throughout the whole process answering any questions and making sure we were able to close on time. Amazing process and would highly recommend Joe to friends and family.
Reply from Joe Wells
August 18th, 2025 08:18 PM
Thank you, Andrew, for your kind words. I'm glad to hear you had such a positive experience and that I could support you throughout the process. Ensuring a smooth journey and keeping everything on track is always my goal. Your recommendation...
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Joe is always attentive to the issues needing to be addressed, a problem solver and cuts to the chase. If there is a product available he knows about it and is very knowledgeable to educate the clients!
Reply from Joe Wells
August 12th, 2025 02:08 PM
Tyler, thank you for highlighting my approach and expertise. I always strive to address issues directly and provide clear, practical solutions for my clients. It's rewarding to know that my efforts to stay informed and educate have been valuable...
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Joe went above and beyond on closing our deal, very knowledgeable and attentive in what he does
Reply from Joe Wells
August 11th, 2025 08:54 PM
Tetiana, thank you for sharing your thoughts. I'm delighted to know that my efforts in closing your deal and my attentiveness met your expectations. It's always my aim to provide knowledgeable support throughout the process. If any questions...
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Joe made the mortgage experience a stress-free experience!
Reply from Joe Wells
August 11th, 2025 07:23 PM
Jeff, I'm so pleased to hear that your mortgage experience was stress-free. Making the process straightforward and hassle-free is always a priority for me. If you ever have more questions or need assistance down the line, don't hesitate to...
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Joe is very knowledgeable and always willing to help . Always very happy with his service.
Reply from Joe Wells
August 11th, 2025 01:06 PM
Daniel, thank you for sharing such positive feedback. I'm glad my knowledge and willingness to assist have contributed to your satisfaction. It's my goal to ensure you have a great experience every time. If there's anything more I can do for...
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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