Joanna Howard

Joanna Howard

4.92 of 5 47 Reviews
Peoples Mortgage Company - NMLS ID 6274

5703 South 1475 East Suite 2, South Ogden, UT, 84403-7046 NMLS ID: 668373

Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

II’m Joanna Howard, a Residential Mortgage Loan Originator with Peoples Mortgage NMLS 6274. A seventeen plus year veteran in the mortgage industry, my career started in 2000 when I opened a credit repair company, helping to clean credit for borrowers needing to get qualified for mortgages. Within that year, I transitioned the company into a mortgage company to continue to help my clients realize their dreams of home ownership. In 2006, when the market began to turn, I went to work for JPMorgan Chase Bank using my experience and expertise in the sub-prime side of lending and then transitioning to the prime banking side within the branches to further my client relationships in mortgages. I have extensive training in credit, operations, sales and many other aspects of the lending industry. I have a bachelor’s degree from the University of Utah as well as an associate’s degree as a paralegal. I’m proud to have been recognized by Chase, Peoples Mortgage, as well as clients for my dedication, superior customer service and quality loan closings. I find the mortgage business very challenging and highly rewarding especially when I can help my clients with financing that will aid in the purchase of their first home, investments properties or in the refinance of their mortgages to renovate, pay for college expenses or to improve their current financial status. When you’re looking for that “best fit” solution for that new home purchase or need to refinance a current home, please call me as I will work to be your best mortgage resource. I look forward to helping you find the best options to meet your home ownership and financial goals.

Office Location

5703 South 1475 East Suite 2, South Ogden, UT, 84403-7046

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Ratings & Reviews

47 Reviews
(4.92 of 5)
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown


(5 of 5)

Joanna is the best

I purchased my first home, a condo, with Joanna a couple of years ago. She made the process so seamless, so most recently I came back to her to purchase a single family home. Joanna is responsive, professional, and knowledgeable. What I really love is how communicative and honest she is. I would highly recommend her services to my family and friends! Thank you Joanna!

Angelica from Milpitas, CA


(5 of 5)

Great experience!

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

Darlene from Tooele, UT


(5 of 5)

Best experience ever!

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.

Alina from Gilbert, AZ


(5 of 5)

Wonderful experience

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.

Amberly from Tooele, UT


(5 of 5)

My First Call

Joanna Howard will always be my first call in all things mortgage related. She helped me with my first home purchase in 2016 & just finished a completely speedy & painless refinance last week. It is not easy to find people you trust and can count on, but she will forever be my mortgage girl for life!

STACEY from Mesquite, TX

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