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 was very attentive throughout the entire process and provided us with timely updates to the status of or loan.
Reply from Joe Wells
August 5th, 2025 01:25 PM
Tom, I'm pleased to hear that my attentiveness and updates were helpful throughout your loan process. Keeping you informed is something I strive for, and I'm glad it made a difference in your experience. If there's anything else you need or...
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Not only is Joe a wizard in the mortgage industry, his customer service is second to none. He answers your calls, takes the time to explain things, and goes above and beyond to ensure you close on time!
Reply from Joe Wells
August 4th, 2025 01:46 PM
Hudson, I truly appreciate your kind words and am pleased to hear that my approach to customer service made a difference in your experience. Ensuring that everything is clear and that the process goes smoothly is always a top priority for me....
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I cannot say enough amazing things about Joe! From start to finish, he was that rockstar lender that every buyer dreams of. He’s not just knowledgeable—he’s lightning fast, ridiculously responsive, and genuinely cares about getting you across...
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Reply from Joe Wells
August 2nd, 2025 12:03 PM
Wow, thank you so much for the raving review as it honestly will drive me to make sure that everyone that I am blessed to assist feels the same way! It was also a pleasure working with you as you guys were also super responsive, on top of everything...
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This was my second time to work with Joe. He is very knowledgeable, and always quick to respond and answer any questions I may have. I woould absolutely recommend Joe and his team to any looking for a mortgage!
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Reply from Joe Wells
August 1st, 2025 08:15 PM
Thank you so much, Matt, for sharing your experience once again. It's great to hear that my knowledge and prompt responses have been valuable to you throughout the process. Your recommendation means a lot, and I'm grateful for the trust you've...
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Joe went out of his way for us. We had a complicated file and because of he expertise, we were able to close on time. I don't believe we could have had the same experience with anyone else.
Reply from Joe Wells
August 1st, 2025 04:01 PM
I'm truly glad to hear that my expertise helped navigate your complicated file and ensure an on-time closing, Madison. It means a lot to know you felt supported and had a positive experience working with me. Should you have any more questions...
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Joe Wells and his team always go above and beyond for my real estate customers, my family, and my personal lending!
Reply from Joe Wells
July 29th, 2025 01:54 PM
Thank you, Ryan, for your wonderful feedback. It's truly gratifying to know that the efforts I put forth are making a positive impact on your real estate customers and your personal lending needs. I'm committed to maintaining this level of...
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It was a pleasure working with Joe. He's on the top of the transaction, constant communication and made all parties aware of the status made this closing happens smoothly.
Reply from Joe Wells
July 24th, 2025 01:13 PM
Thank you, Angela, for sharing your experience. I'm pleased to hear that my efforts in keeping everyone informed contributed to a smooth closing process. It was a pleasure working with you as well, and I'm here for any future needs you might...
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Joe was very helpful. my husband and I love working with him.
Reply from Joe Wells
July 23rd, 2025 02:41 PM
I'm glad to hear that I could be of help to both you and Chris, Konitha. It was a pleasure working with you as well (again). If there's anything more I can assist with in the future, please don't hesitate to reach out.
Joe is very nice, knowledgable, and quick to respond to phone calls and emails. I will definitely refer clients to him if needed in the future. United Direct Lending is fortunate to have him onboard. Thank you.
Reply from Joe Wells
July 14th, 2025 07:38 PM
Thank you, Diane, for your kind words. I'm glad to hear that my responsiveness and expertise made a positive impression on you. Your intention to refer clients is greatly appreciated, and it reassures me of the value I bring to my role at United...
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Joe was exceptional. He was professional and had great communication skill. I will highly recommend him to anyone looking for a loan.
Reply from Joe Wells
July 14th, 2025 05:18 PM
Thank you, Jane, for taking the time to share your experience. I'm glad my communication and professionalism stood out to you. Your willingness to recommend me is truly appreciated and reinforces my commitment to providing excellent service....
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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