“No need to ever look anywhere else! Johanna is simply AMAZING to work with from start to finish.”
— Michael P.
Google review · excerpt
Your home. Your goals. My expertise.
Mortgages
Made Personal.
Buying a home, refinancing, or investing in real estate? With more than 20 years of mortgage experience, I help you explore the financing options that fit your goals—not just a one-size-fits-all loan.
Johanna Witten · Mortgage Loan Originator · NMLS #34771
20+ Years of ExperienceGuidance from application to closing
20+ yearsMortgage experience
844Loans closed, 2018–2025*
$279M+Loan volume, 2018–2025*
Financing for every chapter
More options. More possibilities.
Whether you're purchasing your first home, planning your next investment, or looking for a creative financing solution, we'll explore what makes sense for your situation.
⌂
Home Purchase Loans
Conventional, FHA, VA and other purchase financing options tailored to your goals.
✧
First-Time Buyers & Assistance
Guidance on low-down-payment options and available down payment assistance programs.
↗
Refinancing
Explore potential ways to adjust your payment, loan term or access equity.
▤
Investor & DSCR Loans
Financing strategies for eligible rental properties and real estate investors.
◇
Non-Traditional Financing
Explore bank-statement, 1099, asset-based and other specialty lending options.
☀
Reverse Mortgages
Discuss available options for eligible older homeowners considering a reverse mortgage.
⚒
Renovation Loans
Explore financing for purchasing and renovating a home or improving a property you already own, including eligible renovation loan programs.
⌁
Home Equity Lines of Credit (HELOCs)
Access available home equity through a revolving line of credit for eligible expenses, improvements or other goals.
＋
Second Mortgages
Consider a fixed-term second mortgage to access home equity while potentially keeping your existing first mortgage in place.
All loan programs are subject to eligibility, underwriting, availability, and applicable terms. Not all applicants qualify.
A lender who listens
Experience matters. So does being there for you.
I'm Johanna Witten, a mortgage loan originator with Encompass Lending Group. I've spent more than two decades helping clients navigate the mortgage process, including situations that call for a little more creativity and attention to detail.
My approach is straightforward: clear communication, personalized options, and a commitment to helping you make an informed decision.
Let's Talk About Your Goals ↗“I do more than quote rates. I help you find a path forward.”
Words from clients and partners
Real experiences. Personal service.
A few notes from people I've had the pleasure of helping over the years.
“She answered all of my questions, and she made herself available 24/7.”
— Ian S.
Google review · excerpt
“Johanna was super responsive when I reached out for some info on a refi. She walked us through the process and couldn't have been more supportive.”
— Ryan S.
Google review · excerpt
“Johanna Witten has worked with us on multiple loans now and is always on her A game.”
— Bridgett G.
Google review · excerpt
“Johanna rocked it! I won't hesitate to call her in the future.”
— Dave L.
Google review · excerpt
“Thank you for sticking it out to the very end! Great work!”
— D. J.
Google review · excerpt
Selected excerpts from previously published Google reviews. Some have been shortened without changing the quoted words. Past experiences do not guarantee future results.
Let's make a plan
Your next move starts with a conversation.
Whether you're ready to apply or just have a few questions, I'd love to hear what you're working toward.
Get in touch
I'm just a call, text, or message away.
Tell me a little about your plans, and we'll talk through the next steps together.
Phone: 443-206-0324
Email: jwitten@encompasslending.com
Johanna Witten · NMLS #34771
Have a mortgage question?
Use our quick inquiry form. Your message will go to the Witten Team for follow-up.
Open Mortgage Inquiry Form ↗Please don't include Social Security numbers, account numbers, or financial documents in this form. For a secure mortgage application, use the Apply Now link.
Before launch: Add ELG-approved privacy/contact-consent language to the inquiry form and confirm the Google account is approved for lead storage.