Joanna Howard

Sr. Residential Mortgage Consultant

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WHETHER YOU'RE BUYING A HOME OR REFINANCING, WE HAVE THE RIGHT TOOLS AND INFORMATION TO HELP YOU MAKE THE RIGHT DECISION.

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Today's Rates

Our low FHA, VA, Jumbo, & Conventional mortgage rates are among the most competitive in the industry & we'll present you all accessible financing options.

Purchase Assistant

As Utah’s leading Mortgage Company we alleviate the typically drawn-out loan process, pre-approving borrowers within an hour and providing a pre-approval certificate.

Refinance Advisor

No matter what your need to refinance is, our highly experienced team of mortgage brokers can help you find the perfect loan solution to fit your needs and circumstances.

Welcome to Joanna Howard - Your Mortgage Girl 4 Life

Joanna Howard is a premiere mortgage loan officer located in South Jordan, Utah. She prides herself in offering some of the lowest rates nationwide,  making the loan process simple, straightforward, and smooth for borrowers seeking a mortgage. Although Joanna is located in Utah, she is also licensed in Arizona, California, Texas and Florida so no matter where you go, she will be able to help you with your home mortgage needs!

Whether you are first time home buyer, purchasing your dream home, refinancing an existing mortgage, or consolidating debt, my experienced team can help you take that first step toward a financial solution. We are dedicated to providing an easy and affordable mortgage service with 20 years of experience, vast knowledge in the mortgage industry and an A+ rating and consistently ranking among the highest in overall customer satisfaction.

Begin the home loan process today! Our team is armed with the best loan programs in the area and have a proven record of getting loans funded on time.

Why choose Joanna Howard - Your Mortgage Girl 4 Life?

My Experience

Joanna Howard has over 20 years of experience in residential lending. That means we can find a solution to any situation.

We're Local

We are proud to serve the Utah area. Whether you're looking to move here or move up, we're here to help. We are also licensed in California, Texas, Arizona, and Florida!

Our Values

Every member of Joanna's team prides themselves on their honesty, integrity, and lasting relationships with clients.

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Cameron

Salt Lake City, UT

Awesome service- Joanna and her team do an awesome job at keeping everything thorough and organized. They will work with you no matter the situation. She helped me by having a First Time Home Buyer's 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

WHAT OUR CLIENTS ARE SAYING ABOUT US

Our client's love us and we've got the testimonials to prove it!

Contact Us

Joanna Howard -
Your Mortgage Girl For Life

10542 S Jordan Gateway #300
South Jordan, UT 84095
Phone: (801) 750-5373
Email: joanna@luneta.loans

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Licensing

NMLS 668373
AZ License: 0924671
CA License: CA-DOC668373
TX License: 668373
UT License: 5499094
FL LO108882
Luneta Home Loans #2027806
Utah - 11992719/11992726