Joe did a great job of making a complicated process flow smoothly! - Kevin - Panama City Beach, FL

Joe helped me with all of the things that we had questions about and kept us informed on all things. - Bruce - PANAMA CITY, FL

Quick and thorough with good communication - Timothy - Panama City Beach, FL

Joe Wells! - Iven - Panama City, FL

Joe always answered my phone calls and/or emails and texts. He assured me every step of the way. my only change would be your underwriting and processing departments should work closely with the MLOs to make sure things close on time. :) - Litsa - Panama City, FL

Communication was great. Process was small th and the closing of this purchase transaction closed on time. - Philip - Panama City Beach, FL

I will definitely use Joe anytime I need a loan!!! - Jerald - Panama City Beach, FL

Joe was extremely helpful working with this out-of-state home purchase. He was always available to answer my questions and concerns. - Linda - Panama City, FL

Joe Wells made it great! - Robert - Panama City, FL

knowledge of the lending process - Francis - Panama City Beach, FL

The ease of which doing paperwork for a remote close was amazing! - Brandy - Panama City Beach, FL

The whole experience was top notch. - Gregory - Panama City Beach, FL

Joe and his team. - Andrea - Panama City Beach, FL

Joe navigated us through the entire process seamlessly! - Susan - Panama City Beach, FL

Our situation was a little trickier than most and Joe was able to walk us thru it and get it done. - Steven - Panama City Beach, FL

Wonderful experience working with Joe and team. They made it so easy and stress free. Couldn’t have asked for more. Highly recommend. - Ashley - Panama City Beach, FL

Joe and his team were very professional at every level a truly great experience. And the most important thing they got the job done a closed transaction on time awesome team highly recommend 💯💯💯💯 - Timothy - Panama City Beach, FL

Joe and Annabelle are so very knowledgeable! They knew exactly what was needed and were kind yet straightforward in their requests. They did not try to fudge their explanations or appear more hopeful than necessary, which we really appreciated. We chose to go with a USDA loan, and they knew everything. They were patient with us and helped us through all the hoops and over all the hurdles to make it happen. We are so grateful we chose Caliber and Joe Wells!! - Stephen - Santa Rosa Beach, FL

Thanks for the hard work you did - Kit - Apalachicola, FL

Great job to the entire team. Thank you very much. - Michael - LYNN HAVEN, FL

Joe, was very friendly and explained everything very! - Ron - Panama City Beach, FL

Joe was super knowledgeable, professional, honest and fair! He also has a great assistant! We couldn’t have asked for a better person to deal with purchasing our condo in Florida! He was quick to work with our agent and title company to come up with a good solution for us when we encountered a COVID related situation at the time of closing. We were extremely pleased with how smooth everything went! - Sheila - Panama City Beach, FL

Joe was so helpful and awesome through the entire home buying process! - Carly - Freeport, FL

Joe is great! Very easy to work with, very informative and quick response times. This was my second closing with him and I highly recommend him and his group. Shaunda - Shaunda - PANAMA CITY BEACH, FL

From the very beginning Joe was helpful and gave me some great advice. He was professional, communicated well and always took time for me. I have bought a lot of properties and have never worked with someone as easy to work with as Joe. He and Annabel were the best. - Byron - Panama City Beach, FL

Joe and his team were with me all along the way. When he was unavailable, Annabel was equally responsive. As a healthcare CEO, I appreciate the attention to detail and the customer service the Caliber loan team provided. - Rickey - PANAMA CITY BEACH, FL

They were there through all my thousand questions. Great service - Lindsey - CHIPLEY, FL

Joe is great! Friendly, helpful and wonderful communication. I highly recommend him! He made the home buying process easy and stress free! - Matthew - Lynn Haven, FL

The process was very speedy, the team always had the answers to my questions. - Robert - PANAMA CITY, FL

Over all experience was great! Joe and Caliber worked hard to insure we were able to meet our September 30th closing. We finally get to enjoy our dream beach retreat! - John - Panama City Beach, FL

Joe did an amazing job!! Even though we had some hiccups due to weather( hurricanes and flooding in the area, spotty electricity and internet) Joe and his team stepped up their game and we closed on time. We appreciate all the hard work and dedication. - Mitchell - Lynn Haven, FL

Great service! - Donna - Panama City Beach, FL

We were extremely satisfied with Joe, our lender! However on the underwriting side, there were last minute items (last two pay statements) asked for on the day of closing that ultimately delayed our closing for nearly a week. Granted there were other hick ups, but adding in additional time and communication particularly when performing a remote closing around a holiday on the underwriting side may have helped the process. - Suzanne - Panama City Beach, FL

Joe and his team were great to work with during refinancing process. - Raymond - PANAMA CITY BEACH, FL

Quick, no problem loan process. - Alvin - Panama City Beach, FL

Overall a Great experience with Joe - Thomas - Panama City Beach, FL

Joe was very communicative. Truly, the only unpleasant things about this process was that the information that they must wait until the last 5 days or so to request and the push/rush to complie it for underwriters. - Jody - Panama City Beach, FL

n/a - Brent - PANAMA CITY BEACH, FL

Very prompt with all communication. Closed in 31 days! - William - Panama City Beach, FL

Joe Wells single handily makes the effort to make the paperwork and other regulatory matters seem less. Without him the experience would not have been excellent. Give Joe a raise! He’s earned it. - Alan - Panama City Beach, FL

Great follow-up. - Andy - Panama City Beach, FL

This was our second loan using Joe with Caliber Mortgage. Joe is VERY knowledgeable and answered all my questions in a very in a timely manner. I can’t say enough good thing about him. He is very honest and hard working and really appreciates your business. - Tammy - Panama City Beach, FL

Outstanding customer service. - Walter - VERNON, FL

Both Joe and everyone he brought to the table were kind, thorough and knowledgeable. Joe responded to every question quickly and professionally and the process was smooth. I would work with Joe again in a heartbeat and will highly recommend him and his staff. It is a gift, in today's world, to work with people who know what they're doing. - Theresa - Panama City Beach, FL