Joni Utnage at CrossCountry Mortgage
Loan Officer | NMLS #689931
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Naples, FL. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considerin...... Show More
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Joni is someone you can trust to get things done the right way. She’s organized, easy to communicate with, and clearly takes pride in her work. It’s always a great experience working with her, and I wouldn’t hesitate to recommend her to anyone...
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Reply from Joni Utnage at CrossCountry Mortgag...
April 1st, 2026 05:16 PM
Taylor, I truly appreciate your thoughtful words, thank you. Getting to know you has been just as impactful. You lead your life and business with integrity, consistency, and a genuine care for people. I’m proud to be a resource in your corner!...
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Joni was great. Very informative and provided a lot of help!
Reply from Joni Utnage at CrossCountry Mortgag...
March 30th, 2026 02:38 PM
Thank you so much for the kind words, Justin! It was truly a pleasure working with you and Lindsey. I’m so glad I could help make the process informative and smooth for you. Don’t hesitate to reach out if you ever need anything in the future,...
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Joni was amazing! She explained every step of the process to both me and the client, which made everything feel smooth and stress-free. My client was extremely satisfied with her service. Joni even came to the closing at 8:30 in the morning,...
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Reply from Joni Utnage at CrossCountry Mortgag...
March 12th, 2026 05:49 PM
I really appreciate the feedback and am looking forward to working with you again.
Joni sets the standard for outstanding customer service. She kept me informed at every step, when she needed information she was courteous in asking. Her communication was outstanding. I never had to guess what was happening. She's a gem. Highly...
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Reply from Joni Utnage at CrossCountry Mortgag...
March 4th, 2026 09:13 PM
Thank you so much for your incredibly kind words. It truly means the world to me.Helping you through this process was such a pleasure, and I’m so grateful for the trust you placed in me. Buying a home from another state is a big deal, and my...
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Joni was a consummate professional. Very timely, thorough, knowledgeable, and a pleasure to work wother!
Reply from Joni Utnage at CrossCountry Mortgag...
December 11th, 2025 08:16 PM
Duke, it was my honor to work with you. I'm so excited that you'll have your own piece of paradise here in SWFL! Nothing would have stopped me from helping you get that! THANK YOU!
Joni always goes above and beyond. She is very honest, trustworthy, and has a heart of gold.
Reply from Joni Utnage at CrossCountry Mortgag...
October 6th, 2025 07:54 PM
Katie, thank you. It's always a pleasure working with you, your cheerful disposition and beautiful smile make it fun working together!
I seriously can’t thank Joni enough for helping me get the best mortgage loan for myself and always having my best interests in mind. I was so confused about the whole loan process before working with her and she made me feel comfortable and...
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Joni did a fabulous job handling my refinance loan. From beginning to end the process was easy and she answered all questions with great response time. Highly recommend.
Joni was very professional and helpful, I felt she did her best to find an amazing rate on my mortgage, I felt all my questions were answered very quickly. I would highly recommend her to all my friends and family.
Joni was easy to reach and stayed on top of the process. She explained every step along the way and even while on vacation made sure we were in the loop. She worked hard to get the closing in before tax deadlines and ultimately saved us a pretty...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Naples, FL. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #689931 | Branch NMLS #1770104
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Conventional Home Loan
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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396
/850
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Year Started
2003
Time Zone
Eastern Standard Time (EST)
Licenses
- 689931
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095