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Testimonials

Mark
Lehi, UT
  November 26, 2019

Offer was excepted by sellers on October 26th and we signed and closed on November 26th. UNBELIEVABLE service by Joanna and Peoples Mortgage. She truly treats you like family and only wants what is best for you and your circumstances. I plan on using her again real soon!



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Eric
Orem, UT
  November 26, 2019

Got everything done on time and was very helpful throughout the whole process



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John
Bluffdale, UT
  November 14, 2019

Joanna is a professional and handled my refinance very well. Everything went smoothly during the whole process.



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Jordan
Herriman, UT
  October 31, 2019

Joanna absolutely killed it. We had a lot of problems with our realtor so we pretty much came to Joanna for everything and she was always able to answer all of our questions. She was always on top of everything. She was able to close three days early, it would’ve been seven days early but we had a problem with a previous lender. She always keeps you informed on the process and is always available to answer any questions you have. We will never use anybody else.



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Katie
Herriman, UT
  October 18, 2019

Joanna was truly a life saver through our whole home buying process. Long story short, our realtor (which was my uncle) and our first lender were trying to charge us thousands of unnecessary charges and fees. We thought something wasn’t right so we sent our info to Joanna and she found all these charges, without her we would have never found them. Joanna saved us thousands of dollars and gave us back much more after our first lender lost some. We could call her anytime and she would answer. Joanna fought for us through the whole process and gave us tons of advice. Even though our first home buying experience was awful, Joanna made it a lot easier. Joanna treats her clients like family and we are so grateful for her. She is the best and we would recommend her to anyone!



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Katienielsen96
  October 18, 2019

Joanna was truly a life saver through our whole home buying process. Long story short, our realtor (which was my uncle) and our first lender were trying to charge us thousands of unnecessary charges and fees. We thought something wasn’t right so we sent our info to Joanna and she found all these charges, without her we would have never found them. Joanna saved us thousands of dollars and gave us back much more after our first lender lost some. We could call her anytime and she would answer. Joanna fought for us through the whole process and gave us tons of advice. She works so hard for her clients and we even closed on our house 3 days early because of her! Even though our first home buying experience was awful, Joanna made it a lot easier. Joanna treats her clients like family and we are so grateful for her. She is the best and we would recommend her to anyone!



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Courtney O.
Sacramento, CA
  September 29, 2019

Joanna Howard , is the ultimate true professional at her craft. She has superceded all my expectations and much more , based on my most important Question ,which I always asked when interviewing any loan officer, which is, if I have to call you about my transaction, then you are not doing your Job. Joanna and her team was on top there game , very responsive and most importantly very communicative, which makes the process so much easier , even with our delay from the other side, we were still able to close on time.. Thank you very much to you and your team. Joanna Howard and her team comes highly recommended in my book.



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Sherry
Twain Harte, CT
  September 23, 2019

Joanna Howard is always a pleasure to work with. She helped us in buying our home and again we turned to her to help us with refinancing. She's very helpful and always available to answer all of our questions and concerns. If, in the future, we find ourselves in need of a Mortgage Company, I will definitely contact Peoples Mortgage and Joanna Howard. We would highly recommend her and her associates.



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Jack
Twain Harte, CT
  September 22, 2019

A "thank you" is richly reserved to our mortgage officer, Joanna Howard. I can't recall just how we got Joanna as a mortgage officer when we last purchased a few years ago. It is due to the relationship she built with us at that time that we contacted her for this refinance. There were offers from our the mortgage company to contact them directly to refinance. But we felt a tie based in trust, friendliness, and openness from that initial contact with Joanna. We felt safety and security in dealing with her. We believe this doesn't happen by chance. Although we have never met, we think of her as a friend. If you haven't promoted her yet, its time! I believe I mentioned a promotion for her last time as well.



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Vee
Kearns, UT
  September 22, 2019

Joanna was so great to work with. She was always on top of things and got my loan approved quickly.



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Sherry
Twain Harte, CA
  September 21, 2019

Joanna Howard is a pleasure to work with and easy to talk to. She’s so helpful with every question we had during our refinancing and helped in making the experience less painful. We would highly recommend her and her coworkers.



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Uncmonk
  August 19, 2019

Without Joanna we would not have been able to buy our home. She fought for us every step of the way and made sure we understood everything that was happening. Our loan proved to be very difficult and she never gave up and explored every option available to get in the best situation available. We are very grateful for everything she did and the extra time she took to get it done.



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Brian
Pleasant Grove, UT
  August 17, 2019

Without Joanna we would not have been able to buy our home. She fought for us every step of the way and made sure we understood everything that was happening. Our loan proved to be very difficult and she never gave up and explored every option available to get in the best situation available. We are very grateful for everything she did and the extra time she took to get it done.



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Kyle
  August 2, 2019

Joanna is nice and she makes herself available. My situation was complicated as I had to buy my house out of a probate but we closed in Dec ‘18. She was very transparent with the process and always willing to be helpful beyond her responsibilities. I would do business with her again.
Thank you Joanna.



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Talana Caine
  June 10, 2019

FHA - Single Parent/OK credit/barely hit the down payment... Joanna helped me through the whole process, offered recommendations, answered questions, and kept the process flying through. I saw the house I wanted by chance, contacted Joanna and less than a month later, I was a home owner. At one point I became frustrated because I wasn't prepared for how much has to be detailed in an FHA, or certain process/requirements. Joanna tried to keep on track and at one point while extremely frustrated I overheard her on the phone fighting to get past the hurdles in ways that helped me lower my stress level. I really appreciated the effort and energy there.



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MICHAEL
Phoenix, AZ
  May 13, 2019

This was my 5 purchase/refinance with Peoples Mortgage and again the loan officers were superb and very helpfull. Joanna in particular was very awesome and was always on the top of her game and made the process smooth and easy. If i find myself in position to re-finance or make another purchase I will be using Peoples Mortgage again. All was perfect accept with the one particular under writer we were assigned that seemed very new, and was ridiculous in some of her requests.



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Stephanie
layton, UT
  April 12, 2019

Was always helpful, no matter when we called.



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Verno
Tomball, TX
  March 24, 2019

I had a wonderful experience. Thank you



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Bob
Cottonwood Heights, UT
  March 1, 2019

Joanna you are a great worker, Thanks This is not Jon Erik but his agent and "distant" relative. Thank you



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Johnny
SALT LAKE CITY, UT
  February 22, 2019

got things done!!!



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RachelJones539
  February 8, 2019

"Thank you so very much for all of your help in securing our loan for our new home. You were organized & thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest, Joanna Howard! Our hats off to you!!



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Macavicious
  January 2, 2019

Very pleased with the process of getting my new home. Joanna and her team made it as simple as possible with all of the paperwork, and I truly feel that I came out with the best possible outcome given my situation.



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Angelica
Hayward, CA
  December 27, 2018

This is my first time buying a home, and this whole process is new to me! I am happy to say that I think everything went smooth and that I felt guided through this process.



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ANGELICA ALVAREZ
  December 27, 2018

This was my first time purchasing a property and this whole process was new to me! Joanna did the best to guide me through everything, provide me with information, clarify any questions I had, and she always got back to me in a timely manner.



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Vongpachanh
WEST JORDAN, UT
  December 23, 2018

First home-buying experience and it was a pleasure to work with Peoples Mortgage Company. I felt like Joanna did everything she could to help me get the best possible outcome in the shortest amount of time. Very happy to get into our new home.



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Gina
Suisun City, CA
  December 13, 2018

First i’d Like to say Thank You to Joanna Howard. You worked tirelessly to make our dream come true. It was a long process but it was worth everything, once again thank you Joanna Howard and Peoples Mortgage.



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Cameron
Murray, UT
  November 29, 2018

Joanna and Alisa did an awesome job at helping us get the home we wanted. They made the whole process as smooth as it could be. we will work with them in the future. Thanks guys



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Dubstar707
  November 29, 2018

Joanna and her team do an awesome job at keeping everything thorough and organized. They will work with you no matter the situation. They helped by having a first time home buyers 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.



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Rayneanddavid
  November 6, 2018

Joanna gets it done. Joanna went above and beyond to work out the financing of our new home. We had very unique needs and she worked tirelessly so that everything would work out for us. She is very knowledgeable and experienced and she has created relationships with many people in the business. She will not let you down. This is the 3rd time we have worked with her and we won't go anywhere else.



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Tory
Millcreek, UT
  August 27, 2018

Peoples Mortgage Co was amazing. Joanna Howard is gem! She's full of fire and drive. I couldn't be more happy with the service they provided. I would and will highly recommend them to anyone looking to purchase a new home!!



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Perilyn
South Jordan, UT
  July 15, 2018

Joanna Howard was amazing to work with! She was very thorough and made sure I understood how my home loan worked.



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User5083592
  July 15, 2018

I was trying to find a mortgage lender that I felt I could trust to tell me what I needed in the way of affordably borrowing for my new home purchase. I had interviewed two previous to searching online and finding rave reviews of Joanna Howard with Peoples First Mortgage. I called and immediately spoke with Joanna. She was friendly, upbeat and professional and I made an appointment to meet with her the following Monday. Meeting her was a refreshing change! She is professional and really knows the mortgage business well. She and her team shopped for the best interest rates and locked in my loan at 4.7%. From start to finish, I was able to close on my home purchase in 26 days. I am so happy with this company and with Joanna Howard, she really works hard to help make sure you have the best, affordable mortgage. I am recommending Peoples Mortgage to everyone I talk to who is buying a home!



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Carrie
Salt Lake City, UT
  July 13, 2018

Great customer service



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MICHAEL
SAN MARCOS, TX
  May 30, 2018

All 3 of my loans have been painless and fairly easy.



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John
Cupertino, CA
  May 24, 2018

Joanna and her team are fantastic!
They make you feel that your business is their business.
I recommend Peoples Mortgage company



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LOUIS and CAROLYN
ELK GROVE 95758, CA
  May 15, 2018

We spoke almost everyday.Joanna made sure that we were kept up to date as to what was going on..She was always there to explain something if we were not sure or did not understand. ..JOANNA always made us feel comfortable calling her anytime....We would recommend JOANNA and Peoples Mortgage without hesitation THANK YOU!!!!!



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Shirelle
TYLER, TX
  May 7, 2018

Joanna and her team were so patient and helpful with me through this unfamiliar process.



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Mark
Prosper, TX
  April 30, 2018

Joanna Howard and the Peoples team did an excellent job in helping us to get financing to purchase a home. As we had a DIL foreclosure a few years ago, securing financing was not an easy task. Even after finding a lender with a program that would meet our needs the process was very difficult due to the lender's unprofessional operation, changing requirements and general disregard for and disrespect of borrowers. In spite of these challenges, Joanna and her team were very tenacious in working with us and the lender and enabled us to get through the process and into our new home. She kept us prepared and ready for anticipated questions and/or documentation needed, and at times managed our frustrations and even allowed us to vent through trying issues with the lender.
I would highly recommend Joanna and her team at Peoples if you need a mortgage company.
As for lenders, I would avoid Angel Oak at all costs.



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Lynn
West Valley City, UT
  April 25, 2018

N/A



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Theodore
Sacramento, CA
  March 26, 2018

Excellent Service



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Renie
MAGNA, NJ
  February 26, 2018

our experience was great good people explained everything so we could understand took care fast .. thank you



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Jane
Goodyear, AZ
  October 23, 2017

Joanna was superb at assisting us throughout the process. She was attentive, pushed to make things move quickly and truly seemed to care for our interests.



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Jose
San Antonio, TX
  September 25, 2017

Joanna and her team were truly helpful in every way.



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Ed
Tucson, AZ
  September 23, 2017

Very fast, stayed on top of things, well done ladies will recommend to others.



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Barbara
Orem, UT
  April 4, 2017

Joanna and her team were very professional and efficient. They followed through daily making sure all documents were received. Joanna also worked hard to make the process go quickly and kept in contact with us daily regarding rates and procedures. I would highly recommend Joanna Howard and Peoples Mortgage for your purchase and refinance needs.



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Howard
Yuma, AZ
  April 2, 2017

A real pleasure working with the Peoples Mortgage Company professionals. Continuously kept up-to-date thru to the successful conclusion. I am now a happy home owner.



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Hunter
GARLAND, TX
  October 25, 2016

my wife and I have had a really good experience buying our home, it didnt take very long and was a good all around experience, Thanks to all at Peoples that helped us



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Phillip
SALT LAKE CITY, UT
  October 24, 2016

The entire team has done an excellent job and kept us informed and made the entire process as stressless as possible.



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Ahmed
CHANDLER, AZ
  July 26, 2016

Always ready to answer my calls and questions.



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Kathy
South Lake Tahoe, CA
  July 14, 2016

Joanna and her team made the process very eady and were always thete to answer all wuestions I had.



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Kristi
ogden, UT
  July 14, 2016

I was updated and helped through the whole process. Everyone worked so hard to make sure that I was able to get my house. They also took my low amount loan and processed it when no one else would. They are fantastic and I would recommend them to anyone.



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Philip
Bullhead City, AZ
  July 2, 2016

While responding to requests for various documentation got hectic, and at times seemed somewhat redundant, the Peoples Mortgage Team kept their composure and and provided reasonable explanations for all of their requests. The result was worth the aggravation, as we got the loan we needed and are now happily residing in our new home!



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Amanda
Prescott Valley, AZ
  June 21, 2016

We appreciate the service and support that we received.



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John
Cupertino, CA
  May 3, 2016

Joanna is the best!!! She stayed with us the entire way. Due to our circumstances the process took longer and Joanna did not flinch. She was in it for the long haul.
I cannot tell you how much that means to my wife and I.

Thank you Joanna!



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Jack L
Twain Harte, CA
  April 15, 2016

Underwriters request documentation which has already been supplied, resulting in unnecessary tips and fax expense. Otherwise, fantastic! From Joanna on down through her assistants! We have total confidence in Joanna, and would gladly recommend her and as a result, Peoples Mortgage.
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Vongpachanh
West Valley City, UT
  January 2, 2019

Very pleased with the process of getting my new home. Joanna and her team made it as simple as possible with all of the paperwork, and I truly feel that I came out with the best possible outcome given my situation.



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Angelica
Hayward, CA
  December 28, 2018

This is my first time buying a home, and this whole process is new to me! I am happy to say that I think everything went smooth and that I felt guided through this process.



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Gina
Suisun City, CA
  December 18, 2018

First I’d Like to say Thank You to Joanna Howard 🙏🏽. You worked tirelessly to make our dream come true. It was a long process but it was worth everything, once again thank you Joanna Howard and Peoples Mortgage.



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Joanna
Murray, UT
  November 30, 2018

Joanna and Alisa did an awesome job at helping us get the home we wanted. They made the whole process as smooth as it could be. we will work with them in the future. Thanks guys



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dubstar707
Salt Lake City, UT
  November 30, 2018

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. They helped by having a first time home buyers 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.



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rayneanddavid
Kaysville, UT
  November 7, 2018

Joanna is your Advocate



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sirjohn40
Riverton, UT
  November 6, 2018

Joanna and team were very professional and helpful during the whole process of securing a mortgage and closing on my purchase. Any problems that arose she was there to assist in solving them. I highly recommend Joanna and team to anyone securing a mortgage.



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Liliani
  October 17, 2018

Joanna Howard and her team were absolutely amazing through this whole process! She was quick, professional, and literally made this process a lot smoother than we could ever imagine. We are first time home owners, and would definitely recommend Joanna and Peoples Mortgage Company to anyone looking!



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Liliani
West Valley City, UT
  October 17, 2018

Joanna Howard was phenomenal! She was there from beginning to end, quick at responding, and made this whole process so much easier for us. We are first time homeowners, and never in a million years thought this process would go this smooth thanks to her! I would definitely recommend her and Peoples Mortgage company to anyone who’s looking to buy or even refinance.



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Tory
Millcreek, UT
  August 28, 2018

Peoples Mortgage Co was amazing. Joanna Howard is gem! She's full of fire and drive. I couldn't be more happy with the service they provided. I would and will highly recommend them to anyone looking to purchase a new home!!



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user5083592
South Jordan, UT
  July 20, 2018

I was trying to find a mortgage lender that I felt I could trust to tell me what I needed in the way of affordably borrowing for my new home purchase. I had interviewed two previous to searching online and finding rave reviews of Joanna Howard with Peoples First Mortgage. I called and immediately spoke with Joanna. She was friendly, upbeat and professional and I made an appointment to meet with her the following Monday. Meeting her was a refreshing change! She is professional and really knows the mortgage business well. She and her team shopped for the best interest rates and locked in my loan at 4.7%. From start to finish, I was able to close on my home purchase in 26 days. I am so happy with this company and with Joanna Howard, she really works hard to help make sure you have the best, affordable mortgage. I am recommending Peoples Mortgage to everyone I talk to who is buying a home!



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Perilyn
South Jordan, UT
  July 17, 2018

Joanna Howard was amazing to work with! She was very thorough and made sure I understood how my home loan worked. she is very professional and knowledgeable and she or her assistant, Alisa Papic always called me to update me on the progress of my loan when they said they would call.



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Carrie
Salt Lake City, UT
  July 13, 2018

Great customer service



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jackie
Tomball, TX
  June 18, 2018

Joanna Howard helped us through everything, and was extremely patient with me and my boyfriend. We are first time homeowners and didn't really know the ins and outs of everything so it was nice to hear a friendly voice through lots of my questions. She was very professional and understanding of our situation and even helped find us the best realtor and homeowners insurance. I'm so grateful for the opportunity to work with this awesome lady! We are in our home, blessed and thankful for all of Joanna's team and Joanna! Thank you for everything!



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Jacquelyn
Tomball, TX
  June 15, 2018

Joanna Howard helped us through everything, and was extremely patient with me and my boyfriend. We are first time homeowners and didn't really know the ins and outs of everything so it was nice to hear a friendly voice through lots of my questions. She was very professional and understanding of our situation and even helped find us the best realtor and homeowners insurance. I'm so grateful for the opportunity to work with this awesome lady! We are in our home, blessed and thankful for all of Joanna's team and Joanna! Thank you for everything!




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Michael
San Marcos, TX
  May 31, 2018

All 3 of my loans have been painless and fairly easy.



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John
Cupertino, CA
  May 25, 2018

Joanna and her team are fantastic! My wife and I would like to thank Joanna and her team for a great experience. They make you feel that your business is their business. Very professional and easy to get in contact with. My wife and I recommend Peoples Mortgage Company



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Louis & Carolyn
Elk Grove, CA
  May 16, 2018

We spoke almost everyday. Joanna made sure that we were kept up to date as to what was going on. She was always there to explain something if we were not sure or did not understand. Joanna always made us feel comfortable calling her anytime. We would recommend Joanna and Peoples Mortgage without hesitation THANK YOU!!!!!



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Shirelle
Tyler, TX
  May 7, 2018

Joanna and her team were so patient and helpful with me through this unfamiliar process.



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Lynn
West Valley City, UT
  May 3, 2018




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Mark
Prosper, TX
  May 3, 2018

Joanna Howard and the Peoples team did an excellent job in helping us to get financing to purchase a home. As we had a DIL foreclosure a few years ago, securing financing was not an easy task. Even after finding a lender with a program that would meet our needs the process was very difficult due to the lender's unprofessional operation, changing requirements and general disregard for and disrespect of borrowers. In spite of these challenges, Joanna and her team were very tenacious in working with us and the lender and enabled us to get through the process and into our new home. She kept us prepared and ready for anticipated questions and/or documentation needed, and at times managed our frustrations and even allowed us to vent through trying issues with the lender. I would highly recommend Joanna and her team at Peoples if you need a mortgage company.



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Theodore
Sacramento, CA
  March 28, 2018

Excellent Service



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HappyChase
North Salt Lake, UT
  March 6, 2018

Talk about fast and awesome! I was very skeptical that I'd be able to get my first home financed and Joanna came recommended by someone wanting to sell me their house. Joanna encouraged me to at least send over my information so she could check out my situation. After a couple months I finally sent her my information and she went to work FAST. I went from very-low-hope to being a home owner with a lower mortgage payment that my rent had been in less than ONE MONTH from sending Joanna my information. She was very easy to work with and she found me a lender that would take on my not-great credit situation and get me in to a great home at a great rate. Super friendly, easy to work with, and crazy fast. Highly recommended.



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Anna
Turlock, CA
  March 1, 2018

Supportive, TRUSTWORTHY



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Lakeshia
Sacramento, CA
  February 28, 2018

Excellent service and highly recommended! Joanna was proficient and great about letting us know the process every step of the way. Always responded to our questions timely and closed our loan making both my husband and I happy customers! We did the purchase of our home and refinanced twice with Joanna as well as recommend our friends when they purchased their home. We will definitely go back to her for any of our mortgage needs!!



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