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Joanie

Joanie Neal

Branch Manager

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NMLS ID# 379483

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About Joanie

Joanie Neal is a trusted mortgage loan officer licensed in Tennessee, Kentucky, and Alabama, helping homebuyers and homeowners secure the right financing solutions for their needs. She specializes in mortgage lending in Franklin, KY and Gallatin, TN. With over 25 years in the mortgage industry, Joanie is known for guiding clients through the home loan process with clarity, strong communication, and a service-first approach. She specializes in helping homebuyers and homeowners explore the best financing options available, while making the process as smooth and stress-free as possible. Joanie is passionate about education, community involvement, and helping clients achieve the joy of homeownership with dependable support.

I am licensed in: TN, KY, AL

What Others are Saying

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As a Realtor of 13 plus years I can safely say that Joanie was one of the best to work with so far! I would recommend Joanie to anyone, including FAMILY! - Allan W.

Joanie and her team are phenomenal! Not only are they so kind; they are so knowledgeable and helpful throughout the process. I wouldn’t go anywhere else! - Tina A.

Joanie has GOT to be one of the best. She is so knowledgeable, every question I had, she had a detailed answer that I was able to understand. Shes an amazing person, with an amazing gift. Definitely knows her stuff and will be coming to her in the future for anything we may need. - Matthew H.

How much house
can I afford?

Fine-tune your payment based on interest, rates, term, and down payment.

Est. Monthly Payment
(P&I, Taxes & Insurance)

$1,814.04
Loan Term

Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.


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