Joanna Howard-Ferre' NMLS #688373

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United States
Salt Lake City, UT
Joanna Howard-Ferre' NMLS #688373

First Community Mortgage is an Equal Housing Lender. NMLS #629700. For licensing information go to www.nmlsconsumeraccess.org

Residential Mortgage Loan Originator
LO Licensing: AZ LO-0924671 CA-DOC668373 TX UT-5499094 FL LO108882
NMLS-668373
Company Licensing: AZ BK-1035114 California - 60DBO-163000
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act : www.lunetahomeloans.com/privacy-policy

02/11/2026

The Welcome Home Program provides qualified buyers with up to $20,000 toward down payment and/or closing costs. Reservations begin April 6 and are first‑come, first‑served. Contact me for details and eligibility information.

https://www.firstcommunitymortgage.com/joannahowardferre

01/19/2026

On Martin Luther King Jr. Day, we honor a legacy built on courage, service, and the belief that everyone deserves equality and opportunity.

Strong communities begin with people who care, invest, and take action. Homeownership plays an important role in creating stability, lasting roots, and generational progress.

Today we pause to reflect, serve, and continue working toward a future grounded in fairness and opportunity for all.

01/08/2026

When winter rolls in, our homes need a little extra care. From swapping out filters and checking drafts to preparing entryways for snow and salt, these small updates help keep things running smoothly through the colder months. ❄️

What’s the first home maintenance task you tackle when winter arrives?

01/07/2026

We’re proud to be the nation’s #1 Largest Privately Held Veteran-Owned Bank — a title that reflects our roots in service and our ongoing commitment to doing what’s right for our borrowers, partners, and communities. Built by veterans, driven by purpose, and dedicated to helping families achieve their home goals. Start your journey with us today.

01/01/2026

Cheers to a new year and a fresh start in 2026 🎊

January is a time for intention, planning, and setting realistic goals. Whether you are considering buying your first home, planning a future move, or simply learning about the mortgage process, having the right guidance early can help make the home buying journey far less stressful.

As we step into the new year, may 2026 bring growth, confidence, and a place you are proud to call home.

Let’s connect and talk about your home buying goals, mortgage questions, and what homeownership could look like for you this year or in the future.

12/25/2025

Merry Christmas! 🎄

May your holidays be bright, full of joy, and surrounded by loved ones. This season is all about warmth, celebration, and gratitude for the places we call home.

As we head into the new year, it’s the perfect time to think about taking the next step toward the home of your dreams. Whether you’re buying your first home or upgrading to a new space, I’m here to help make it happen.

Send me a message today and let’s start planning your path to homeownership!

12/15/2025

Home is more than walls and a roof. It’s where you can truly be yourself, feel loved just as you are, and be welcomed with open arms.

Your home is your personal sanctuary, a place of comfort, acceptance, and cherished memories. It’s where family, friends, and love come together to create a space that’s uniquely yours. 🏠❤️

Looking for a home that fits your lifestyle? I can help you get pre-approved and explore mortgage options that could help make it possible!

12/12/2025

Down payment saved? Great. ✅
But what about everything else? 👀

Buying a home involves more than just the down payment. From closing costs and inspections to movers, new furniture, insurance, and even unexpected repairs, these extra expenses could add up fast. Some buyers could get caught off guard and feel stressed right before closing.

Planning ahead could be the key! DM me today and I will help you map out all the potential costs so you can move into your new home with confidence and peace of mind. 🏠

12/10/2025

Are you ready to sell after a refi? 🏡
Swipe through our checklist to see what to consider before making your next move.

When you’re ready, contact us to review your options with a lender you can trust.

12/05/2025

What happens to your equity if you sell after a refi? 🏡
If your home’s value is higher than what you owe, you keep the equity. If it’s lower, you could face negative equity.

Want to know where you stand? Contact us to review your numbers.

12/03/2025

Should you sell after refinancing… or rent your home instead? 🏡

Ask yourself:
✅ Can rent cover your mortgage?
✅ Will it buy you time before selling?
✅ Does being a landlord fit your goals?

Not sure which path works best? Contact us to review your options.

11/28/2025

How long should you wait before selling after refinancing? 🏡

It depends on a few key factors:
✅ Your breakeven point on refinance costs
✅ Home equity and market value
✅ Loan terms, like prepayment penalties or occupancy clauses

Timing matters. Connect with us to review your breakeven point and see what timeline could work best for you.

Address

Salt Lake City, UT

Telephone

+18017505373

Website

https://www.firstcommunitymortgage.com/loan-officer/joannahowardferre/

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