Meet
Joanne Zarro
Of Zarro Mortgage Group
President
As President of Zarro Mortgage Group, Joanne brings over 24 years of mortgage lending experience and a lifelong commitment to helping families across Martin County and St. Lucie County find a place to call home. A Licensed Loan Officer since 1997, she has guided thousands of clients through every stage of home financing with expertise, transparency, and genuine care.
A resident of Martin County since 1982, Joanne’s dedication to her community runs deep. She has held numerous leadership roles, including Chairperson of the Stuart/Martin County Chamber of Commerce, President of Leadership Martin County, and Chair of the Martin County Leadership Planning Committee. Her involvement continues through organizations such as Martin County Business Exchange, Junior League of Martin County, and Soroptimist International of Stuart, where she has championed initiatives supporting women and children.
Recognized as the Affiliate Member of the Year by the Martin County Realtors of the Treasure Coast, Joanne’s reputation for service and professionalism is well established. She holds a Bachelor’s Degree from Saint Leo College and a Master’s Degree from Barry University, and remains a passionate advocate for causes addressing child abuse, domestic violence, and human trafficking through her fundraising efforts for Hibiscus Children’s Center, Catch the Wave of Hope, and Soroptimist International of Stuart.
When she’s not assisting clients or serving the community, Joanne enjoys traveling with her family, visiting the theater, tending to her orchids, and boating on the Treasure Coast.
Meet The Rest Of The Zarro Mortgage Group
Meet the rest of the Zarro Mortgage Group team — a dedicated group of lending professionals committed to guiding families across Martin and St. Lucie counties through every step of the home financing process.
Mortgage Specialist
Amanda Foster
Reverse Mortgage Advisor
Donna Linton
Senior Processor
Angela McCollum
Mortgage Specialist
Eve Genna
FAQS
How do I choose the right loan officer to work with?
Choosing the right loan officer depends on your goals and communication style. Our team members each specialize in different areas—from first-time homebuyer programs to reverse mortgages—so you’ll always find someone who fits your needs. Visit our Mortgage Loan Programs page to see which loan type fits you best, then connect with the specialist listed under that program.
What’s the benefit of working with a local mortgage team?
Working with a local team like Zarro Mortgage Group means your loan officer understands the real estate market in Martin County, St. Lucie County, and the greater Treasure Coast. Our team lives and works here too—so we know the neighborhoods, property values, and local partners that help make the process faster and more personal.
Can I meet with a loan officer in person or online?
Absolutely. You can meet with our team in person at our Stuart office or schedule a virtual appointment from the comfort of your home. Each team member’s profile includes contact details and a meeting link so you can connect your way.
Who should I talk to about refinancing my current mortgage?
Our experienced loan officers, including Joanne Zarro, can review your current loan and explore whether refinancing could lower your monthly payments or help you reach other financial goals. Visit our Mortgage Loan Programs page to learn more about refinance options, or contact any team member directly to start the conversation.
Does Zarro Mortgage Group help with reverse mortgages?
Yes. Donna Linton, our Reverse Mortgage Advisor, specializes in helping homeowners age 62 and older explore how a reverse mortgage can provide financial flexibility while staying in their homes. Learn more about reverse mortgage programs on our Loan Programs page.
What makes Zarro Mortgage Group different from other lenders?
We’re not a national call center—we’re your neighbors. Our team combines over 100 years of combined experience, personalized service, and deep community ties throughout Martin and St. Lucie counties. We treat every loan like it’s our own, guiding you through every step with honesty and expertise. Learn more about our story on the About Us page.
How can I calculate how much home I can afford?
Our online Mortgage Calculators can help you estimate your monthly payment, interest rate, and loan affordability. For personalized guidance, contact any team member and we’ll help you break down the numbers based on your financial goals.
I’m not sure which loan program fits me best. Where should I start?
If you’re unsure which mortgage type works best—FHA, VA, USDA, Conventional, or a First-Time Homebuyer Program—start by browsing our Mortgage Loan Programs page. You can then reach out to one of our loan specialists for a one-on-one consultation to explore your options.