Who We Are

Joanne Zeolie is the Co-Founder and President of Monument Mortgage Company, which she established in 1989. With over 35 years of experience in the mortgage industry, she has been involved in every aspect of the business, including management, sales, operations, underwriting, and closing. Her deep expertise has enabled her to successfully navigate the company through various economic cycles, ensuring continued success for both Monument Mortgage and its clients.

As a Loan Officer, Joanne works directly with clients, applying her extensive knowledge of the real estate markets in Massachusetts, where she grew up, and New Hampshire, where she has lived for over two decades. She is committed to educating and guiding clients throughout the mortgage process, empowering them with the confidence to make informed financial decisions. Joanne takes pride in providing a personalized approach, tailoring solutions to meet each client’s unique needs.

At Monument Mortgage Company, clients receive dedicated support throughout their financing journey. The company’s mission—”The Power of Monument: Personal, Knowledgeable, Experienced”—reflects its commitment to excellence, setting it apart in the industry. Joanne and her team collaborate closely with clients, ensuring a smooth and seamless process as they make one of life’s most important financial decisions.

Just as monuments symbolize strength, history, and achievement, Monument Mortgage has built a legacy of helping clients achieve homeownership and financial success.

Joanne is licensed in Massachusetts, New Hampshire, Maine, Florida, and Rhode Island and is ready to assist with financing for primary residences, second homes, and investment properties, whether purchasing or refinancing

Joe Cooper came to Monument Mortgage in 1996, making the move because he recognized that Monument’s goals matched his own, namely, to deliver exceptional Customer Service. Joe is available day and night, working to pre-qualify his customers, guiding them through the often-times complex mortgage process, and, ultimately, providing them with a loan program that fits their financial goals. Joe has been rewarded with a loyal client base, one that continues to grow through referrals. As his career with Monument progressed, he realized that the company had the experience, knowledge, product offerings, and state of the art financing software that would allow him to continue to provide quality consultative services to his clients. Joe was so pleased with Monument’s innovative approach and its ability to adapt to changes in the industry, that he became an owner in 2007. ​

Joe continues to enjoy providing support to both first-time homebuyers and clients he has worked with for decades, who are now downsizing, buying second homes, or realizing the cash value of their property. He loves that he is now helping the children and grandchildren of customers that began working with him in 1993! ​

Joe is confident in Monument’s ability to deliver to its clients: “The Mortgage Banking industry has changed significantly over the past few years, and Monument Mortgage has always been able to absorb the change quickly, and then focus on what is best for the individual customer.” He believes that by combining individualized personal service, in-depth knowledge, and vast experience, Monument has the power to “hit the mark” every time.