Joanna Mann

Sr. Mortgage Loan Originator NMLS#216276

Contact Info

(855) 897-0727

(949) 271-4113


Office Address:
2131 Palomar Airport Road, Suite 209
Carlsbad, CA 92011


Joanna has worked in the mortgage industry since 2002. She understands how to identify a mortgage program customized for each homeowner's unique needs. Joanna has expertise with the ins and outs of the entire mortgage process and is committed to providing each customer and business partner with the highest level of service and professionalism. Joanna's dedication to excellence and high standards for customer satisfaction make the mortgage process pleasant and easy for everyone involved. Let Joanna provide you with outstanding service and individualized options. Whether you are refinancing your current home or looking to purchase a new one and achieve the American dream of home ownership, Joanna can help you today!


* Individual results may vary

I can't say enough good things about Joanna and how knowledgable she is. She provided clear understanding and contant communication the entire time. This is the 3rd time we have refinanced our home. By far the BEST experience!! - Dennis B., Bountiful, UT
Joanna was very professional and communicated effectively via email and phone to follow up on questions I had or to keep me informed of the loan status. She was very thorough explaining the loan process and taking my information over the phone to provide me a quote. She followed the verbal quote with an email detailing the loan rate and cost of the loan. - Kevin M., Windsor, CA
Joanna was fantastic to work with. She was very responsive and personable. I cannot say enough good things about working with her. She has excellent communication skills and was amazingly responsive which was invaluable. - Timothy D., Rohnert Park, CA
Thank you for exceeding my expectations! I was fully informed and updated throughout the loan process. I could not have asked for better service. - Susan B., Salt Lake City, UT
Everyone did a professional job, but Joanna was exceptional in every way. Communication was perfect! - Michele S., San Diego, CA
Joanna was incredible, and made the experience far less painful than it could have been. She always took my calls or returned them within a short time and emails were also promptly responded to. I am an informed borrower, but the process still needed some precise explanations, and Joanna handled that with skill. I was kept up to date on all aspects, and Joanna regularly communicated with me above and beyond what I had expected. I was never rushed, and she dealt with my pressures with great expertise. - Barry B., Scottsdale, AZ
Thank you for a smooth process! - Robert R., Canyon Lake, CA
Joanna is very professional. It was a great experience. - Rajinder S., Lincoln, CA
Joanne and her staff were absolutely amazing. They delivered in less than a month, communicated 100% and were always there if we had any questions, even after hours. Combined with the "lenders credits," this was the easiest refi we have ever done and one of the lowest costing. I have and will continue to recommend Joanne to my family and friends. - Carol T., Snohomish, WA
Good communication with great follow-up. Knowledgeable about the processes. Very prompt and good at returning emails. Also respectful of customer communication style and hours. - Henry M., Harbor City, CA
Joanna Mann and her team at First Choice were "first" class in all of my dealings. I will recommend Joanna to friends and colleagues in the future. - Maureen C., Newport Beach, CA
[A] Re-fi is not easy and can be very stressful. The process from the first phone call to signing the final documents was simple. Joanna is so great with people, I felt I knew her for many years and she's actually in an different state. I can't express enough how wonderful she and her whole staff were. Highly recommend First Choice and Joanna to friends, family and clients. - James D., Snohomish, WA
I had an excellent overall experience!!! Joanna was the best from the first moment I spoke to her on the phone to the end of the loan. Joanna always made me feel comfortable by patiently answering all my questions. I would not hesitate to recommend Joanna and her team to all my friends and family! The whole team did a great job! I love Costco so it was a natural choice to go through Costco for our refinance. We're glad we did! - Hector B., Chula Vista, CA
Wonderful service throughout. Loved the online feature for uploads/downloads. All questions were answered the same day asked. A very good, very easy experience! - Alan G., Salem, OR
Thank you for all your help getting me through this. It was great working with First Choice. - Christopher O., San Diego, CA
Joanna was a real pro, listening to what I hoped to accomplish in a mortgage and helping make it happen. - Kenneth A., Frankfort, IL
Although I am very familiar with the loan process, Joanna explained everything clearly with no confusion. Joanna was wonderful, she kept in communication through the whole process. Easiest re-fi we have ever done. - James D., Snohomish, WA
I asked Joanna a ton of questions and she was patient with me and helped me with all my needs. - Amanda R., San Diego, CA
Joanna was extremely professional from start to finish. She returned my emails and phone calls in a timely manner. Joanna gets an A++ . From start to finish we closed my refinance in less than 4 weeks. - Thomas K., Las Vegas, NV
Joanna and Rebecca were exceptional throughout the entire process. We were nervous about the process on the front side; Joanna's knowledge and guidance, as well as her responsiveness helped make it a straightforward and stress free process. Thank you Joanna! Rebbeca was extremely efficient with the loan processing. Thank you Rebecca! 10/1/17 - Craig C., Alpharetta, GA
The transaction experience with Joanna Mann was 100% satisfactory. Readily available, on top of everything, and pleasant to speak with, I couldn't have asked for anyone better. 12/22/2017 - Benjamin K, Torrance, CA
Joanna was SOO wonderful. She has exceeded my expectations and made the process go extremely smooth. She exerts high confidence in getting a 30 day escrow completed which relieved me a lot when it was requested as a counter-offer requirement. Her communication skills are fantastic. She answers her texts on weekends and is very personable. I would definitely recommend her to anyone who is looking for a loan. I can go on forever, but know that she was my 4th contact before deciding to go with her. I've contacted banks and other private lenders and Joanna's personality and Costco rate made it a simple decision. 1/8/2018 - Tommy N., Gardena, CA
Joanna Mann and her team are exceptional. I am a real estate attorney so I work with a lot of lenders and underwriters and loan processors. Joanna is exceptionally responsive and on top of things and detailed. 11/9/2017 - Daniel S., Auburn, WA
This experience was the best I have ever had. I’ve refinanced many times in the past, and JoAnne was exceptional in her availability when I needed to discuss something and always provided the best, clear direction. 11/22/2017 - Jeffrey M., Tacoma, WA
I was pleasantly surprised at the relative ease of the refinancing process compared to previous refinancing adventures I’ve experienced with large brand name national banks. The credit for that goes to Joanna Mann who was very thorough and a pleasure to deal with through what is usually a tedious process. Thank you for all the help. 12/13/2017 - John M., Half Moon Bay, CA
I have already told at least 5 people how fantastic she was!!! 12/5/2017 - Mary V., Lakeway, TX
The process was effortless due to the personal assistance of both Joanna and Lisa. Every question I had was answered quickly and completely even during non office hours. I felt like I was the only customer and the most important customer that they had. 12/27/2017 - Natalie W., Tukwila, WA
Loved Joanna and Becky! Great communicators, very personable and pleasant. Checks emails and texts off hours and responds quickly. Joanna’s confidence helped a lot in my worry for a 30 day escrow and was able to handle SO quick and correctly. I am so happy that I made the choice to move forward with them because I made three different lender calls. Absolutely night and day difference and the fact that it was cheapest sealed the deal. I will recommend her to everyone. Feel free to let her know the kind words 12/9/2017 - Pha N., Gardena, CA
I have already told lots of people about Joanna and First Choice. I was a little worried about doing this through Costco but you made me a believer and now I tell everyone to go through Costco and select First Choice with Joanna!!!!! 1/25/2018 - Mary L., Spokane, WA
Joanna did an excellent job. I never had such a great mortgage financing experience. 3/1/2018 - Siby P., Austin, TX
Joanna Mann provides me an excellent customer service, she?s very professional and knows her stuff. Very knowledgeable and relieves the stress from her customer. She makes you feel a VIP and always her priority despite of her busy schedule dealing with different clients with different situation. I will give her an A++++++. She did above and beyond her call of duty. Joanna is an asset of First Choice Loan Services Inc. 4/9/2018 - Maria S., Queen Creek, AZ
Joanna was excellent from start to finish, and even went out of her way to come and meet my wife and I when we were traveling in her area. Talk about personal service. It was refreshing, in today's world of often poor service, to have such a caring, professional experience and I already recommended her to a friend that is looking to get a mortgage. 3/31/2018 - William G., Davie, FL
It was great to work with Joanna. She is a consummate professional and was very attentive and answered all of my questions. Joanna is one of the best loan originators I have ever worked with. It is nice to have someone walk you through the whole process from beginning to end. Thank you for the outstanding service! 04/18/2018 - Timothy H., Madera, CA
It was my pleasure and honor to have had the opportunity to work with Joanna Mann and Sommer Barry. They are both the standard for what Loan Originators and Loan Processors should be. I can't say enough about them. Straight forward, professional and honest and on top of all the details of the loan process. I would highly recommend. If there was a rating above Excellent, I would have selected that. 06/05/2018 - Roger R., Miami, FL
Thank you for helping me got the loan without any stress. I got my dream house. Your services are excellent. 05/18/2018 - Trang D., Ladera Ranch, CA
Both Joanna and Ali were very helpful. They're professionals, courteous and knowledgeable. It was the best experience I've ever had in getting or refinancing a mortgage. 05/16/2018 - Alfred G., Bothell, WA
Best experience we've ever had with a mortgage lender, and we've had many. Above and beyond in coordinating 3 transactions in escrow. 06/25/2018 - Kenneth D., Bellingham, WA
Joanna was the absolute best. She was very professional and quickly responded to any questions we might have had. Her knowledge, skill and personality made this the best financial process we ever experienced. 8/8/2018 - Laurie L., Marietta, GA
Honestly, they were just AWESOME during the entire process. We even closed early!! This is the 5th time we have gone through the home lending process and this was by far the BEST experience! 8/22/2018 - Elvia A., Lake Arrowhead, CA
Joanna was professional, thorough, and understanding. First Choice was a good selection because we had Joanna as your representative. 9/4/2018 - David S., East Wakefield, NH
We are very happy with First Choice. Thank you. 7/24/2018 - Justin N., Houston, TX
thank you for the quick loan for my clients and making it a smooth process. I was impressed with your department and would like to send some more people your way in the future do to the quick process and always was quick to answer my questions! Thanks again and hope to do more business with you in the future. 10/29/2018 - Trevor Schneider | Bonners Ferry Real Estate, Bonners Ferry, ID
In a world people often get treated like a number, Joanna Mann treats you like a person. She is articulate, punctual, and proactive. In my case, she was also extremely patient and professional with a seller who actively went out of their way to make the transaction unnecessarily challenging. She is competitive and willing to step in to represent you. She does not assume your business, but earns it through effort, honesty, and a forthright attitude. I spoke with several lenders who all made me feel like another brick they were desperate to put up on the wall, but working with her was like asking a favor of an old friend and not having to give it a second thought. I valued her guidance and will recommend her to others. 3/4/2019 - Martin L., Aurora, IL
Wonderful experience with home mortgage through First Choice Loan Services. 06/03/2019 - Donna R., Shoreline, WA
Joanna Mann was wonderful! She made the experience of refinancing easy and worthwhile. I was able to get the answers and guidance we needed in a timely manner. 9/12/2018 - Maria G., Tracy, CA
Joanna was amazing. She kept the process moving and went the extra mile to communicate, even during weekends, Her early high service attitude stood out among other companies and was a big factor of going with First Choice. 1/8/2019 - Bradley C., Folsom, CA
Very thorough and well versed with the whole process. Kudos to both of them. 2/14/2019 - Ivan P., Hillsboro, OR
Joanna did an exceptional work! Five stars for her! 2/15/2019 - Claudia M., Madera, CA
The services that we receive from Joanna was excellent from day one to the end of the process. We are pleased for all the hard work and service provided to us. We are so happy with that service provided. Joanna's dedication let us feel confident with everything. Thank you so much for everything that the whole team did for us. 3/5/2019 - Erika G., Madera, CA
The services that we receive from Joanna was excellent from day one to the end of the process. We are pleased for all the hard work and service provided to us. We are so happy with that service provided. Joanna's dedication let us feel confident with everything. Thank you so much for everything that the whole team did for us. 3/5/2019 - Erika G., Madera, CA
Great team. Very good with updates and responses to questions. I plan to sell this home within a couple of years and purchase another. I'll be looking for your services then. 5/17/2019 - Linda G., Seattle, WA
Great working with them! Joanna is so calm and prompt with messages, emails. Our daughter had a medical emergency during our processing and Joanna was showed sincere concern for her and our family. It was a stressful time and it was great to know she did her best for us. 5/31/2019 - Donna R., Edmonds, WA
They were both fantastic. I worked more with Joanna than with Rebecca but each was always available, attentive, and always answered my questions promptly. I would not hesitate recommend Joanna and Rebecca to anyone who is in the market for a mortgage. 6/28/2019 - Francis M., Monument, CO
They both rocked! Really, there customer service was exemplary. Because of their efforts, I was able to close on time. And Joanna was there from the very beginning, providing valuable insight that helped me to navigate the process. I will definitely recommend her and the team at First Choice. 7.18.2019 - Jacob S., Lawrenceville, GA
Joanna Mann was great! I felt like she was my personnel banker! Good job. 7.19.2019 - Maurice P., El Paso, TX
I have already referred First Choice to several friends, and told my real estate agent about ... First Choice Loan Services. [It was a] wonderful experience. First-class experience, great communication, and attentive service. Thank you! 8.5.2019 - Andrew W., Redmond, WA
Joanna was fantastic to work with. Professional, personable, highly responsive, and kept us informed throughout the process. Would work with her again without hesitation. She provided 5 star service. 9.19.2019 - Melanie B., Austin, TX
Joanna, the loan officer, was amazing - reasons why: 1. Looked at multiple solutions for me based on my changing needs. 2. Gave good, clear explanations on my questions (I've done several mortgages and refis so my questions were not easy at times) 10.7.2019 - Ali S., Atlanta, GA
Joanna Mann really made it obvious that she wanted my business. She won in the competitive bid process between lenders, and then was very supportive throughout the entire loan process, particularly with answering my questions quickly. Very impressive! 10.26.2019 - Brian C., Marietta, GA
I recently refinanced my mortgage with First Choice Loan Services and was very happy with the level of service I received from Joanna, my loan originator. Her service was exceptional and the main reason I chose to do business with First Choice (your partnership with Costco and competitive rates were the other reasons). Joanna kept me posted at every step of the process and was very easy to communicate with, whether it be via email, text, or a voice call. She was always quick to respond and never made me feel like I was bothering her with stupid questions, though I likely had some of those. :) I will be sure to recommend others. 5.10.2019 - Russ H., Howell, NJ
Joanna is fantastic. Always very attentive, keeps things moving smoothly and quickly. She's a pleasure to work with and I look forward to a long and repetitive relationship in the years to come. I've been so pleased, I've referred her a few prospective clients as I'm sure she will handle their transactions with the same professional and personal attention she has done on a couple of mine. 8.12.2019 - John C., Redding, CA
Joanna & Anna were both extremely helpful and made the whole process very easy and answered all our questions in a timely manner. 8.13.2019 - Peter S., El Cajon, CA
Extremely responsive and helpful during the whole process. A pleasure to work with! 9.18.2019 - Brandon S., Sammamish, WA
They were great! 10.10.2019 - William H., Naples, FL
Joanna was absolutely amazing! We were so lucky to have her as first time home buyer! She explained everything in detail and we felt so well taken care of. Thanks, Joanna! 10.18.2019 - Jeffrey H., Seattle, WA
Joanna Mann really made it obvious that she wanted my business. She won in the competitive bid process between lenders, and then was very supportive throughout the entire loan process, particularly with answering my questions quickly. Very impressive! 10.30.2019 - Brian C., Marietta, GA
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