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Joe Wells

Sr. Loan Officer

NMLS#: 1040526

About Joe Wells

Joe, a proud Native Floridian, brings over 20 years of experience in the Mortgage Industry to the table. His extensive knowledge of the Emerald Coast makes him a trusted expert in second home and condo transactions. Whether you’re a first-time homebuyer, looking for the perfect vacation property, or seeking smart investment opportunities, Joe’s deep understanding of the area and personalized approach ensures you find the ideal fit. Dedicated, knowledgeable, and passionate about helping his clients, Joe is committed to making your home buying journey smooth and successful.

All-in-One Solution

Our Loan Process.

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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