Joanna Howard-Ferre

Joanna was very responsive and supportive. We had a complicated situation and Joanna navigated it wonderfully. Held our hands through the whole thing.

I would definitely recommend Joanna Howard-Ferre. She was professional. She knew exactly how to help us and get us the best rate for the market and she was a pleasure to work with.

We loved working with her

Joanna was excellent and diligent and getting us all the requirements that we had to meet our financial situation. She had our best interest at heart at all times throughout throughout the process, even when times got hard and things seemed impossible, she kept trying and the end result was marvelous.

It as really great working with Joanna .shes really fast and great at communicating.she goes above and beyond to help you get exactly what you want !

As a Realtor here in California, I’ve worked with countless lenders, and Joanna truly stands out from the rest. She is incredibly sharp, proactive, and knows how to navigate the complexities of our market. She does a fantastic job of keeping my clients informed and getting us to the closing table on time. I can't recommend her enough!

I’ve been working with Joanna for many years and have been greatly satisfied with her services. She’s always available for us whenever we had questions or uncertainties. She’s very professional and highly knowledgeable. She works very hard and we’ve always closed on time if not before. I highly recommend her to anyone who’s looking for the best loan officer out there!

I worked with Joanna first in 2018 when we purchased our first home and worked again with her in 2025 when we refinanced. She was great! She’s so determined to get things done and has always gone above and beyond for us! I appreciate her integrity and look forward to working with her again in the future!

Joanna has explained everything to me in easy terms and showed great patience despite my own ignorance of many key parts of the refinancing process.

Joanna is a phenomenal loan officer. She knows her job and does it amazingly. The mortgage approval process has many moving parts, she knows them all and knows them well. You can't go wrong with her, she will help you and make sure you get the best deal available. I will definitely use her again.

Joanna Howard was AMAZING through my loan process extremely knowledgeable. The best part about working with her, she was able to improve my credit score so I could get into a fixed loan without having to pay higher interest. I went through three realtors and she stuck with me, I finally found a beautiful home and she was able to close it on 20 days. This broker will not give up on you, she makes things happen, that is the message I give people who are looking for a mortgage broker. Thank you Joanna Bridgette G.

We as a family decided to buy a home in Florida and Joanna played a key role in helping with the financing. We were referred to her by a neighbor and had never met with her in person, but it almost felt like we have been friends for ages. She has been so diligent and helpful in this entire journey and always proactively getting all required information from all parties as needed, including us. She took complete responsibility of working with different stakeholders including our title company, builders’ team, Home Insurance company and so many more as needed and spearheaded the complete process. She handled unforeseen circumstances very well specifically when Ian hit very close to the area where we bought the property. We had the smoothest experience with her, and her team and they kept us informed at every step of the way. We plan to use her services for all future needs and highly recommend her.

Joanna at Luneta Home Loans was wonderful to work with! I had been working with another lender for 3 months and couldn't get an approval, so I reached out to Joanna and got an approval in less than 24 hours! My loan wasn't easy, but she got it done;)

We really enjoyed working with Joanna. She was great to work with, and goes above and beyond to meet all your needs. She's friendly and professional, which is a great quality to have. Kevin & Darlene

I write this review with so many emotions. All if which are good. Our home buying process started off so rough, that is until I met Joanna Howard with Veritas funding. She and her team were all my prayers answered. From start to finish she was crystal clear on what was needed to get to the finish line. Every crazy question I had in my mind she answered. Every call,text,email she answered no matter the hour. She was my lending angel. She cared about US and was 1000% invested in our journey. To have a lender that was fighting for you and going through every piece of the process as though she was doing it for her family gave a sense of not only security but trust. Her integrity and character was impeccable. I would highly recommend everyone to use Joanna and her team for your lending needs. We walked away proud home owners with new extended family we found in Veritas funding, Joanna and her team. Every "T"crossed and every " I " dotted.

Joanna Howard with Veritas Funding was great to work with. She made the home buying process easy, quick and painless. I was surprised at how fast it went!

We worked with Joanna to finance our newly built home. The home building process is long, it took about 8 months and there were definitely times I got nervous about qualifying when it came down to closing. Joanna made me feel at ease. Every time I called she was available to answer any of my questions. I felt like her only client, she never made me feel like she was in a rush to be somewhere else. She had everything ready at closing, was on time, and it was a pleasure working with her.

Joanna is your mortgage girl to go to! She has helped me with multiple transactions and will most definitely go back to her for future transactions! She has your back and always looking out for her clients. We ran into quite a few issues but Joanna fought for me until the end!! She is extremely prompt with answering questions! She worked extensive hours to get all my questions answered and transactions to run as quickly as possible.

This is our second dealing with Joanna Howard, and we would not go anywhere else for our mortgage needs. She is extremely easy to work with, extremely prompt in pushing their processes forward, with unmatched professionalism and knowledge of her craft. We greatly appreciate her teams service to us during our recent refinance. Excellent work!! 5 STARS!!

Joanna and The team at Veritas funding are seriously incredible! They did miracle work and got my home closed within 10 days! I was denied the day before closing with a different lending office. When I called Joanna- she hit the ground running and it was the best experience!! I would give her 10 stars if that was an option!

Joanna was referred to my husband and I through our Realtor. We were told she did what needed to be done to get funding and closing to be an easy and seamless process. Joanna did just that and more. She made herself available for all of our questions, walked us through the process, and was even able to close our deal over a week earlier than scheduled. I would definitely recommend Joanna to anybody looking to purchase or refinance. She was great!

Joanna Howard was wonderful to work with. This was the first home we have built so the stress level for us was very high. Joanna was very warm and caring in her conversations with us. Any questions we had were promptly answered. If there was an issue, she was very quick to communicate with us. We were very pleased with her professionalism and warmth. We would highly recommend Joanna Howard. Our experience was really great.

We weren't sure if we were going to qualify for a home, and she made things happen for us. She is creative, and easy to work with. She will for sure get you the best rate, and the best possible mortgage. She always returned our calls and text right away and helped us every step of the way. She was seriously amazing, I can not recommend her enough. If you don't use Joanna Howard at Veritas Funding, you might be missing out!

Joanna: Was great to work with!Great communicationFast and amazingly efficientCould not beat the rates!and always new what was nextCompleted (3) income properties in less than 1 month!Would use her again and have recommended her to (3 friends)

I was set up with Joanna through an existing lender relationship with my home builder. I would give Veritas an overall 8/10 score and even though I had a lender I considered a 9/10 in pocket already, continued with Joanna and Veritas because of some other incentives from the builder/lender relationship in place. Joanna is sharp, always available, on top of things, personable, and never stopped working to get me what I asked for. She stayed in touch before we needed to start underwriting, and never took more than half an hour to respond to my emails and calls. One thing I appreciated is that you could tell Joanna wanted the best for her clients and didn't treat the relationship is strictly business.

Two months ago my mortgage company called me and convinced me to refinance. After a hand full of questions he said he would get back with me in a few days and he did, with a rate 1% lower than what we were paying. After that one phone call it was nearly impossible to catch the loan agent and after two weeks of phone tag I thought about trying someone else.I remembered an agent that I worked with before, but found out that he retired, but before doing so he suggested Joanna Howard. So I thought I'd give her a call. Well as soon as I called, she answered and immediately helped me get the ball rolling. She said she could get me a better rate so I sent over my information. Working with her was great! She always was available to answer any questions and was on top of everything throughout the whole process. Every step of the way was completely transparent and everything was done quickly. Escrow closed today and we will be saving 1.5% off our previous rate. Thanks again to Joanna!

Joanna? She is AMAZING. I have never worked with someone who was so fast and literally was doing their job 24/7. Whenever I needed Joanna or had a question she responded in seconds. She got us the best deal and was extremely nice and felt like a family member at the end of the process. I am very cautious when it comes to big purchases but when Joanna talked to me I felt so comfortable and ready to take on buying a home. I don't think I've come across someone this professional or genuine out of all my experiences with financing. I think anyone and their family would be lucky to meet someone like Joanna and to have her take care of them!

Joanna Howard was great! Highly recommended! She is very knowledgeable and was about to get ne into my home! I worked with her before on another home purchase and that was a great experience as well.

Joanna is amazing and is very thorough. I appreciate that she is always available for my many questions even after purchasing our home! She was and still is amazing to work with. I would recommend her to everyone!!

GREAT experience with Joanna, I have already recommended Joanna to my co-workers and friends. I am confident she is one of the best in the business. Very helpful throughout the whole process and made sure all my questions were answered.

Joanne is one of the strongest mortgage brokers I have had the honor of working with. Verita's has a great system to help walk you through the loan process. With my last home it was very stressful, but with Joanne it was absolutely seamless. I took priority with the team at Verita's and that meant a lot to me. I was always getting instant replies after questions, and constant updates throughout the process. I also didn't have the projected down payment needed to get into my home, Joanne looked into multiple options and never gave up for me to find the right loan. Believe me, fail is not in her vocabulary. I am now a happy homeowner a month later, I would never write a review I did not believe in. Joanne and her team will take great care of you , efficiently as possible with very minimal hiccups. I looked into multiple lenders and mortgage officers, I wouldn't change anything about the process with Joanne and her team, it was honestly relaxing figuring how much stress buying a home can have on a individual. Five-star rating all day long! Thank you Joanne, Nicole, and everyone at Verita's!

Joanna has been amazing to work with. We were with a different loan officer and ended up switching to Joanna half way through. She was efficient, easy to work with and got things done! We love her and will definitely be using her again.

Joanna is very experienced in what she do and gets stuff done in a timely manor. She has done at lease 3 loans for me and service has been grwst every time. You are my lifetime loan offices 😃 Thank you for great service.

One mortgage company wanted over 20K in fees to do loan and just did not feel right. So I somehow found Joanna and was amazed at how inexpensive her fees and rates were!!! She and her team worked all hours of the night during the entire process to make it happen. Folks, don't do a mortgage or refi without having her run the numbers. Saved me tons of money!! Thanks a million!!

J has come through for me on three separate occasions. Each time she anticipates and works hard to make sure that every base is covered. I highly recommend Joanna to get you through the horrendous process of financing a home.

Joanna was terrific! She combines, experience, patience, and outstanding communication skills, into a completely competent and enjoyable ride through the mortgage process. She always made herself available and sticks with an issue until it is resolved. She's all out all the time - exactly the type of person you want, and need, on your team.

Joanna was truly a life saver through our whole home buying process. Long story short, our realtor (which was my uncle) and our first lender were trying to charge us thousands of unnecessary charges and fees. We thought something wasn’t right so we sent our info to Joanna and she found all these charges, without her we would have never found them. Joanna saved us thousands of dollars and gave us back much more after our first lender lost some. We could call her anytime and she would answer. Joanna fought for us through the whole process and gave us tons of advice. She works so hard for her clients and we even closed on our house 3 days early because of her! Even though our first home buying experience was awful, Joanna made it a lot easier. Joanna treats her clients like family and we are so grateful for her. She is the best and we would recommend her to anyone!

Without Joanna we would not have been able to buy our home. She fought for us every step of the way and made sure we understood everything that was happening. Our loan proved to be very difficult and she never gave up and explored every option available to get in the best situation available. We are very grateful for everything she did and the extra time she took to get it done.

Joanna is nice and she makes herself available. My situation was complicated as I had to buy my house out of a probate but we closed in Dec ‘18. She was very transparent with the process and always willing to be helpful beyond her responsibilities. I would do business with her again.Thank you Joanna.

FHA - Single Parent/OK credit/barely hit the down payment... Joanna helped me through the whole process, offered recommendations, answered questions, and kept the process flying through. I saw the house I wanted by chance, contacted Joanna and less than a month later, I was a home owner. At one point I became frustrated because I wasn't prepared for how much has to be detailed in an FHA, or certain process/requirements. Joanna tried to keep on track and at one point while extremely frustrated I overheard her on the phone fighting to get past the hurdles in ways that helped me lower my stress level. I really appreciated the effort and energy there.

"Thank you so very much for all of your help in securing our loan for our new home. You were organized & thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest, Joanna Howard! Our hats off to you!!

Very pleased with the process of getting my new home. Joanna and her team made it as simple as possible with all of the paperwork, and I truly feel that I came out with the best possible outcome given my situation.

This was my first time purchasing a property and this whole process was new to me! Joanna did the best to guide me through everything, provide me with information, clarify any questions I had, and she always got back to me in a timely manner.

Joanna and her team do an awesome job at keeping everything thorough and organized. They will work with you no matter the situation. They helped by having a first time home buyers class and knocked down some of the price of closing costs. For any future help with home loans and property loans I will be working with Joanna and her team.

Joanna gets it done. Joanna went above and beyond to work out the financing of our new home. We had very unique needs and she worked tirelessly so that everything would work out for us. She is very knowledgeable and experienced and she has created relationships with many people in the business. She will not let you down. This is the 3rd time we have worked with her and we won't go anywhere else.

Joanna and team were very professional and helpful during the whole process of securing a mortgage and closing on my purchase. Any problems that arose she was there to assist in solving them. I highly recommend Joanna and team to anyone securing a mortgage.

Joanna Howard and her team were absolutely amazing through this whole process! She was quick, professional, and literally made this process a lot smoother than we could ever imagine. We are first time home owners, and would definitely recommend Joanna and Peoples Mortgage Company to anyone looking!

I was trying to find a mortgage lender that I felt I could trust to tell me what I needed in the way of affordably borrowing for my new home purchase. I had interviewed two previous to searching online and finding rave reviews of Joanna Howard with Peoples First Mortgage. I called and immediately spoke with Joanna. She was friendly, upbeat and professional and I made an appointment to meet with her the following Monday. Meeting her was a refreshing change! She is professional and really knows the mortgage business well. She and her team shopped for the best interest rates and locked in my loan at 4.7%. From start to finish, I was able to close on my home purchase in 26 days. I am so happy with this company and with Joanna Howard, she really works hard to help make sure you have the best, affordable mortgage. I am recommending Peoples Mortgage to everyone I talk to who is buying a home!

Joanna Howard helped us through everything, and was extremely patient with me and my boyfriend. We are first time homeowners and didnt really know the ins and outs of everything so it was nice to hear a friendly voice through lots of my questions. She was very professional and understanding of our situation and even helped find us the best realtor and homeowners insurance. I'm so grateful for the opportunity to work with this awesome lady! We are in our home, blessed and thankful for all of Joanna's team and Joanna! Thank you for everything!

We have had a great experience with Joanna and her team. Very professional and easy to get in contact with. My wife and I recommend Peoples Mortgage Company

Joanna Howard and the Peoples team did an excellent job in helping us to get financing to purchase a home. As we had a DIL foreclosure a few years ago, securing financing was not an easy task. Even after finding a lender with a program that would meet our needs the process was very difficult due to the lender's unprofessional operation, changing requirements and general disregard for and disrespect of borrowers. In spite of these challenges, Joanna and her team were very tenacious in working with us and the lender and enabled us to get through the process and into our new home. She kept us prepared and ready for anticipated questions and/or documentation needed, and at times managed our frustrations and even allowed us to vent through trying issues with the lender. I would highly recommend Joanna and her team at Peoples if you need a mortgage company. As for lenders, I would avoid Angel Oak at all costs.

I was very skeptical that I'd be able to get my first home financed and Joanna came recommended by someone wanting to sell me their house. Joanna encouraged me to at least send over my information so she could check out my situation. After a couple months I finally sent her my information and she went to work FAST. I went from very-low-hope to being a home owner with a lower mortgage payment that my rent had been in less than ONE MONTH from sending Joanna my information. She was very easy to work with and she found me a lender that would take on my not-great credit situation and get me in to a great home at a great rate. Super friendly, easy to work with, and crazy fast. Highly recommended.

Excellent service and highly recommended! Joanna was proficient and great about letting us know the process every step of the way. Always responded to our questions timely and closed our loan making both my husband and I happy customers! We did the purchase of our home and refinanced twice with Joanna as well as recommened our friends when they purchased their home. We will definitely go back to her for any of our mortgage needs!!

I have searched and screened many lenders and found her to be the best of them all. She held our hand through the whole process and closed earlier than anticipated for our first time home buying experience. I recommend her to everyone!!!

Joanna Howard and her team were nothing but professional throughout the entire loan process. The entire process was outlined before it began to ensure there would be no surprises along the way. Every deadline was met in advance, and I was able to close on the home early because of Joanna's diligence and attention to detail. I highly recommend using Joanna as your loan officer for your next home purchase.

My Husband and I have closed on two separate loans with Joanna. we wouldn't go anywhere else She is simply the most honest and quickest. We closed in 3 weeks.

I cannot begin to describe how amazing Joanna is. She was truly in my corner for a year & ½ through quite a harrowing home purchase. She answered all my questions, explained everything and made sure to keep the best interest of me and my family as a #1 priority. I never imagined I would find someone I could completely trust and actually like! Joanna, Alisa & the rest of Team Howard are wonderful, honest, hardworking, compassionate, understanding and extremely knowledgeable. If you are entering the cold dark world of home buying or refinancing do not do it without Joanna! I know she will be my first call whenever I am crazy enough & recover from the first one! Thank you so much Joanna!

We had done business with Joanna in the past and were thrilled to reconnect with her in order to get financing on another home. She fulfilled all of our expectations, although having worked with her before we didn't expect anything less. She listened to our needs, provided regular updates, and worked tirelessly to resolve pressing issues. She definitely looked out for our interests. Her team also provided great support and service. We are very satisfied repeat customers!

I had the pleasure of working with Joanna Howard to complete my 1st home purchase. She is the embodiment of true customer service. Closing on the home was fast, stress free, and she was informative throughout the entire process. Throughout the process, she was informative and attentive. The closing was fast and stress free. I feel that the rate was fair, and that I will be utilizing Ms. Howard's experience in all of my future housing lending endeavors. Simply the best! I highly recommend your dealing with Ms. Howard and People's Mortgage. Thanks

Best in service and communication - Refinance!People's Mortgage is lucky to have Joanna Howard on their team, for she truly does excellent work in providing the best service and communication throughout the home buying/ refinancing experience. I am pleased to say that a successful refinance on my home in which I recently purchased originally with Mrs. Howard's expertise, has gone through smoothly and quickly. I will continue to reach out to Mrs. Howard for all of my real estate purchase opportunities. People's Mortgage with Joanna Howard's service, expertise, and efficiency come as highly recommended, from my perspective. Thanks

As a realtor it is hard to write a review for Joanna that doesn't look like I was paid to do this, but here it goes...I would Rate Joanna as a perfect 10 when it comes to customer service and guiding your buyers through the whole home buying experience.From the start, Joanna was very personable and professional. My Buyer was a first timer, nervous about the process but Joanna explained everything with patience and confidence. After going over my buyers situation, Joanna was able to formulate a plan for achieving his goal of home ownership.During the purchase, Joanna was very proactive when working with me and my buyer and that made me feel valued. Rare Quality.Joanna made this a very pleasant experience and they are the only place I do business with for my real estate needs. Once you work with best, there is no need to deal with the rest. I am very grateful to work with such an honest and diligent loan officer.Thank you for all of your hard work Joanna!!

There are not enough words to describe how incredible Joanna Howard and her Team are. She stuck with me for almost 11 months, through several home offers and attempts to buy a house. She answered all my questions, educated me about the process and was always encouraging. Her professionalism and knowledge is unmatched by anyone I have met in this Real Estate Nightmare. I am so grateful to her. They worked on lowering my costs up to the week of closing. Looking at every possibility to save me money and to ensure the house I chose was as good as advertised. I would recommend not only Joanna but Peoples Mortgage in general. Honest, hardworking, compassionate, understanding and extremely knowledgeable. Every person in her office that had anything to do with the process was nice and so helpful. Every single one. Excellent customer service all the time. I am a first time buyer 57 years old and I could not have done it without Joanna of that I am sure. She protected me and my interests every step of the way. From everyone I had to deal with. I can't say I enjoyed the buying a house experience because it was a true nightmare. But thanks to Joanna she got me through it and I am happier than I have ever been in my life. Paulina

It was our pleasure to have worked with Joanna Howard. She is a great originator and a excellent communicator. I know how hard those days were making sure everything was right and on time. I appreciate you reassuring us every step of the way. We were so nervous but you held the fort strong and didn't let us fall. I cannot appreciate enough your hard work and dedication. From day one till the closing date you were there leading the way and helping us realize what a big journey we were going to start with our very first home ownership. A brand new dream home indeed!!! Thank you Joanna. I would highly, highly recommend Joanna Howard to anyone looking for a dedicated professional who is by your side and will walk you every step of the way and guide you all along. My wife and I thank you for all your hard work, support and same optimism you portrayed from day 1 till our closing. Thank you again Joanna. Moin and Anjum

I've been in my new house for several months now. If it wasn’t for all Joanna's hard work and guidance I am not sure I would have ever made it. Thanks Joanna for everything.

We received nothing but OUTSTANDING service from Joanna during the entire loan process. Ours was a challenging loan, as we had a short sale just a year earlier and I was applying for a VA loan. Joanna was extremely prompt in replying to my many questions and was always there to answer any and all questions when they surfaced. Even my real estate agent commented on was a pleasure she was to work with. We would recommend Peoples Mortgage and specifically Joanna Howard to anyone applying for a home loan. Thank you Joanna.

Joanna Howard did an amazing job. Very easy to contact. Made the whole process easy for me! I would recommend her as a lender. She also has amazing staff that help her. They communicate with me every step of the way, along with each other. Thank you al for everything!

I just want to say I don't know what I would have done without Joanna, I am a young newly single mother and had to find a place to live with VERY little knowledge on how to buy a house, VERY little time, and VERY little money down. From the first time i spoke with her i knew she was who i needed to go with for this process and i was right. She went above and beyond to help me, she answered every call every question and even after my realtor messed up (multiple times) and i was put in a VERY bad situation and being told i was going to need a VERY large amount of money down, that i did NOT have, she NEVER quit on me she fought for me all the way to the end. I would recommend Joanna to everyone i know, SHE IS AMAZING!!!! Thank you so much for everything you and your team did for my babies and I. we couldn't be happier. :) - Mia

We are very happy! Best experience in getting our first home! Joanna is an expert in the mortgage business. I would definitely recommend her to my closest family member and feel very confident that she would get them the best service in the business. The process was new to us Joanna and her team simplified it and acted as teachers to us throughout the process. I felt really confident in her knowledge and guidance. She is always thinking ahead and knowledgeable. We felt like we were listen to in the process of buying a home and are happy with the prompt service and final results of our mortgage. In working with Joanna we were able to secure better rates then we would have working with our actual builder. We felt like she went the extra mile and helping us with the communication of our builders and even helping us to help them close quickly. We really felt taken care through her hard work!

Refinance of Triplex in CAMy husband and I had a particularly difficult refinance due to a number of factors that had nothing to do with Peoples Mortgage. Joanna stuck with me through this tortuous process and got us a loan through the VA. First time my husband used his benefit...for a triplex in the San Francisco Bay Area. Joanna got us a great rate with very significant savings and in spite of some miscommunication from time to time, we worked through it and closed. I wouldn't hesitate to recommend Joanna and People's Mortgage. The fact we are located in California didn't make a bit of difference. She and her team were always responsive and worked extremely hard to make this happen for us. Thank you Joanna!

Joanna is THE BEST!!My wife and I wanted to combine both of our mortgages into one payment with a lower interest rate. We contacted our mortgage company and started the process of refinancing. Neither of us had the best credit scores, but had never been late or missed a payment in 20 years. We received a very vague letter in the mail from them saying that our loan had been denied. A friend recommended Joanna to us and we were very skeptical at first because of our recent experience. From the very moment we spoke w Joanna, we could tell that she was going to do everything she could to get us a great loan. She and her team worked non-stop until they found us a loan that helped us lower our interest rate and our debt! Joanna called us back and emailed us through the entire process! Now we have only one loan, a lower interest rate and the peace of mind knowing that if we ever need anyone in the mortgage business who truly CARES for their clients, it's Joanna! We LOVED everything about her and her team!!

Five Star Service and Five Start Team Makes a Ten! Joanna and her staff excelled from the first contact to closing date of VA loan. Howard and I would call her late at night leaving a message and she would answer the phone cheerful and ever so accommodating. We achieved our VA loan and perfect home in Yuma, AZ. So much fun talking with Joanna and she kept us apprised of all the numerous forms required for loan in timely manner. Yes, we reviewed her reviews and found them to be accurately describing how wonderful she was with her clients. 10+ service. Please note this as accurate for any form of professional reviews and what she says she will do, she does and for us, she was gracious and so helpful. Thank you for all you have done for us.

We decided o apply for a mortgage pre-approval in anticipation of shopping for a new home in California. Not knowing where to start we accessed the Lending Tree website based on their t.v. ads. We received numerous responses by email and telephone. One of the first calls we received was from Joanna Howard, Senior Residential Loan Originator with People's Mortgage Company. We were at first a bit leery, as we had never heard of People's Mortgage. However, Ms. Howard was by far the most knowledgeable in regard to home mortgages of any of the potential lenders who called. In fact, at least one person calling from a major lender could not even answer basic questions, even when I shared my limited knowledge with him. Ms. Howard on the other hand was very friendly and seemed extremely competent. She never was too busy to answer my questions or address my concerns. For awhile it seemed I was sending text messages or emails to her several times per week, but she always answered them in a timely manner, and always had an answer. In addition to answering my questions, she also supplied supporting information when applicable. My confidence in People's Mortgage and Ms. Howard increases as the process went on, right up to receipt of our approval. I never relish the thought of going through the loan application process and locating the needed documentation. However, Ms. Howard made the process as painless as possible. Although we have never met, we count Joanna as a friend as well as a true professional in her field. My realtor in California told me he was very impressed with Ms. Howard, stating "Man, that lady you have working for you on your mortgage really stays on top of things!" Not surprising when you realize that Joanna Howard is, simply stated, the "Tops." I am grateful for the professionalism exhibited by Ms. Howard and People's Mortgage.

I would highly recommend Joanna for your mortgage needs. She is very knowledgeable, helpful, professional and on top of the entire process. She works hard and efficiently to complete the process in a timely manner. We closed on our refinance in 3 weeks. She was in constant contact making sure all documents were submitted and signed. She kept us informed of the market throughout the process and worked very hard to get us the best rate. She also did all she could to make the cost minimal. Joanna and her team will work hard and take care of your mortgage needs. They went above and beyond for us and in my experience she does this with all of her clients. She answered emails, texts and phone calls afterhours and in a timely manner. If you are needing help with a mortgage loan or a mortgage refinance Joanna is the loan officer you should contact! Barbara, Property Manager

If you want a professional that takes her job extremely serious quick,thorough,resourceful,and always going the extra mile Joanna is the one for you!! She is in contact with all parties involved in the tranaction thur out the entire process. Joanna earned my trust and closed my fha loan in record breaking time. Why not go with a lender who dots all her I's and crosses all her T's each and every time!!! I did and continue to do so!!!! Diane----------CA Realtor

Excellent ServiceJoanna made this a very enjoyable experience. She made sure I understood the entire process and provided guidance the whole time. We were able to close on our home in less than 1 month! Awesome service