Hi, my name is Joni Utnage, and I’m here to make your home loan process as smooth as possible. As a loan officer on the Maxwell Mortgage Team in Naples, FL, I’m proud to be backed by the strength of America’s #1 Retail Mortgage Lender, where our team is focused on one thing: you.

With over 20 years of experience in the mortgage industry, I specialize in helping buyers at every stage of their journey – whether it’s a first-time home, a move-up property, an investment or a second home. I also specialize in navigating the complexities of self-employed income, offering clear communication and solutions for clients who don’t fit the traditional mold.

What I value most is building strong connections and being part of life’s most important milestones. Originally from Wyoming and Illinois, I moved to Florida to enjoy year-round outdoor living. When I’m not helping clients achieve their homeownership goals, I enjoy scuba diving, boating, golfing, biking and spending time at the beach.