Sheryl Owens grew up in Indianapolis, IN and has been married to her husband, Jeff, for 36 years. They have 3 adult children, Jake, Zack, and Kali and have been blessed with one 12 year old granddaughter, and 4 grandsons all under the age of 4!


After staying home with her kids for 15 years, she went to work full time at her brother's realtor office in Beech Grove, IN. She decided to open a mortgage company in 2000 to be a one stop shop. After dissolving the company in 2009 she went on to work for a corresponding lender and then on to the bank side for 3 years before coming HOME to work at Rate in January 2025.


She is a believer in making relationships with her referral partners and borrowers alike and loves first time homebuyers as well as folks ready to find their forever home. She also believes in making sure her clients understand all aspects of the transactions they are taking part of and is sometimes referred to as the Mortgage Mom.

VP of Mortgage Lending

Sheryl Owens is your Greenwood local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Sheryl is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Sheryl at (317) 324-4247 for more information!

Sheryl Owens at Rate (NMLS #205488)

I started my career as a loan officer in 2003 at a local bank in Greenwood and haven't looked back. I have held the roles of Mortgage Advisor, Production Manager & Branch Manager over the years. I have originated many different loan programs (Conventional, FHA, VA, USDA, Renovation, Construction, Refinance, DSCR, 1st Time Buyer, Down Payment Assistance) while providing exceptional communication, problem resolution, and tailored client needs assessment. Providing direction & solutions to Loan Originators while identifying opportunities for their clients is one of my passions. I truly enjoy helping people grow their careers as much as I enjoy helping my clients get into the home of their dreams.


I have been an Indiana Native my whole life with most of that residing in Johnson County. My husband and I enjoy spending time with our family & friends whenever possible. We are huge "dog lovers" so most of the time you will see four-legged friends accompanying us. I love most outdoor activities, traveling, experiencing new food venues, spending time with family & friends and volunteering at local events.

Producing Partnership Branch Manager

Joanna Sharp is your Greenwood local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joanna is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joanna at (317) 413-1638 for more information!

Joanna Sharp at Rate (NMLS #132031)

Greenwood

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