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
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

(5 of 5)

First Time Homebuyer

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!

Ambrosia from Sacramento, CA

(5 of 5)

New Home

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.

Roger from Tooele, UT

(5 of 5)

Joanna is Amazing

Joanna, helped us through the process in the easiest way. She was so good a texting and calling us back right away. She answered all our questions, and when we though things might be impossible she figured out a way for us to get the home we wanted. She was seriously an answer to prayer, and we feel so blessed to be able to work with her. In my opinion if you aren't using Joanna you are missing out! She will get you the lowest rate and tell you what you need to do to raise your credit score. She is the perfect person to work with to get the loan you need! Thank You So much Joanna! We plan on telling all our friends about you!

Erin from Lehi, UT

(5 of 5)


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

BLAINE from El Cajon, CA

(5 of 5)

Veritas - A-Team Lender

We just closed on the purchase of our new home through Perry Homes and Veritas Funding. I can't express enough how incredible the Veritas team was from Pre-approval, construction and through closing. Anytime we had any questions , concerns or just needed information, they responded almost immediately. As any new construction build goes, we had a slight delay just before closing in getting appliances delivered. The Veritas team went above and beyond in minimizing the impact of the delay and got us into our home sooner than was expected with the delay.
The Veritas team was also able to lock us in for a super competitive interest rate all while assuming a big portion of the costs. We worked with Joanna and Brianne for our loan and they were so good about making sure we had everything we needed prior to closing. We love our home, rate and our lender. Great job Veritas!

Ozzie from West Jordan, UT

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