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.
Joanna gets it done!
Joanna Howard is my go-to-person for all my financing needs. She helped me reach my finance goals with the purchase of my second home followed by a refinance with a monthly savings of $300.00. I recommend Joanna to all my friends and family. She Rocks!!
Tye from Sacramento, CA
Working with Joanna was a great experience! She was always quickly available to answer any questions and worked hard to get us a great interest rate. We always felt like she was in our corner throughout. The process was painless and we would (and have) recommend her for anyone looking for a loan or refinance.
Karen from Leander, TX
Joanna is the best at what she does. She fought for an amazing interest rate and helped us close on our dream home! She is very knowledgeable and made the process as seamless as it could have been. We recommend her as a loan officer to everyone we know.
Ashley from Saratoga Springs, UT
Amazing Experince! I am sure she is one of the best in the business
GREAT experience working with Joanna, I have already recommended Joanna to several of my employees and co-workers. I am confident she is one of the best in the business
David from Draper, UT
Joanne is the best broker I have ever worked with!
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!
Chris from Tooele, UT