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 was extremely responsive at all times, early mornings, late nights, weekends and while being away. She kept all parties informed all the time and everyone was extremely happy that she was a part of this process. She allowed this process...
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Reply from Joni Utnage at CrossCountry Mortgag...
July 27th, 2026 01:01 PM
Thank you so much for your incredibly kind words, Shawn! It truly means the world to me that you took the time to share your experience.I know buying a home can feel overwhelming, especially during an already busy season of life and especially...
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Our family made a very fast decision to buy a house that we were not prepared to purchase. Accidentally finding the house before the finances is usually not the best idea! Joni made it so easy for us because she kept us organized and informed....
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Reply from Joni Utnage at CrossCountry Mortgag...
July 27th, 2026 01:04 PM
Thank you so much for this wonderful review, Mandy! I'm honored that you trusted me to help guide your family through such an unexpected and exciting home purchase.Finding the perfect home before having all the financing pieces in place can...
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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 is great to work with. She’s knowledgeable, responsive, and makes things easy to understand, which goes a long way in the mortgage process. You can tell she cares about doing things the right way and keeping people informed every step...
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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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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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Year Started
2003
Time Zone
Eastern Standard Time (EST)
Licenses
- 689931
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095