Joel Perry Mortgage Loan Originator with Nexa Mortgage. NMLS 1524594

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Mesa, AZ
Joel Perry Mortgage Loan Originator with Nexa Mortgage. NMLS 1524594

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Licensed Mortgage Loan Officer with the soul of an Underwriter

10/29/2026

I’m looking for 5 producing Realtors who want to learn the mortgage business.

If you’re actively selling real estate, willing to get licensed as a mortgage loan originator, and interested in expanding your income opportunities, I want to talk to you.

I’ll teach you the mortgage business from the perspective of a former FHA DE underwriter with 20 years of lending and underwriting experience.

You don’t have to give up real estate. You don’t have to go all-in tomorrow.

But you do need to be serious about learning, because you already have clients who needed financing yesterday.

I’m taking 5. If you’re interested, call me.

Joel Perry | The MLO Underwriter
NEXA Lending
📞 480-710-7063
📧 [email protected]
🌐 TheMLOUnderwriter.com
NMLS #1524594

10/28/2026

Real estate investors, this is a pretty exciting one.

No seasoning DSCR HELOC. That means you don’t have to wait 6 or 12 months after purchasing an investment property to access your equity.

First lien, $50K minimum loan, 700 minimum FICO, up to 75% LTV and no prepayment penalty.

If you’ve got equity tied up in a rental property and want to put that money to work on your next investment, let’s talk.

Joel Perry | The MLO Underwriter
NEXA Mortgage
480-710-7063
NMLS #1524594

Subject to lender guidelines and qualification.

10/28/2026

No seasoning DSCR HELOC. That means you don’t have to sit around waiting 6 or 12 months to access the equity in your investment property.

700 minimum credit score, up to 75% LTV and no prepayment penalty.

It’s a first lien HELOC too.

If you’ve got equity tied up in a rental and want to put that money to work on your next investment, let’s talk.

Text me or shoot me a message. I’ll be happy to go over the details.

Joel Perry | The MLO Underwriter
NEXA Mortgage
480-710-7063
TheMLOUnderwriter.com
NMLS #1524594

Subject to lender guidelines and qualification.

10/27/2026

New to mortgages or ready to leave retail behind?

NEXA Mortgage offers the freedom, flexibility, lending options, and earning potential to build a business on your terms.

And with NEXA University, you don’t have to figure it out alone!

Daily live training, dedicated coaching, and now NIGHT SCHOOL, so you can keep your day job while learning the business and building your pipeline.

Your future doesn’t have to wait!

Want to learn more? Call, text, or DM me. I’ll connect you with the NEXA University team!

Joel Perry | The MLO Underwriter
NMLS #1524594
480-710-7063

LoanOfficer CareerChange NEXANightSchool

10/27/2026

New to the Mortgage Industry or Thinking About Moving from Retail to Broker?

Let’s talk about why NEXA Mortgage might be the right place to build your future.

What sets NEXA apart?

Freedom & Flexibility: Work from virtually anywhere your licensing allows. Build your business on your terms.

More Lending Options: Access to hundreds of wholesale lending options, including conventional, FHA, VA, USDA, jumbo, DSCR, Non-QM, and more.

Earning Potential: NEXA 100 Unlimited offers the opportunity to earn up to 100% of your commission. No recruiting required!

Independence: Build your own brand and business with the backing of one of the nation’s largest mortgage brokerages.

But what if you’re brand new or coming from retail?

That’s where NEXA University comes in!

NEXA University offers industry-leading education and support to help you learn the broker model and build your business.

* Daily live training opportunities.
* Dedicated coaching and support.
* Flexible learning with no forced daily schedule.
* Education on originating loans, building a pipeline, and growing your business.

NEW! NEXA UNIVERSITY NIGHT SCHOOL!

Want to become a loan officer but can’t afford to leave your current job?

Now you can keep your day job while learning the business, working with dedicated coaches, and beginning to build your pipeline.

Build your business before you make the leap!

Whether you’re newly licensed, considering a career change, or ready to leave retail behind, NEXA has an opportunity worth exploring.

Interested? Call, text, or DM me and I’ll connect you with NEXA University!

Joel Perry | The MLO Underwriter
NEXA Mortgage
NMLS #1524594
480-710-7063
TheMLOUnderwriter.com

10/27/2026

10 SPOTS. PRODUCING LOAN OFFICERS ONLY.

I’m opening 10 opportunities for experienced loan officers to join NEXA under me. Once those spots are filled, I’m closing the door until next year.

First, let’s talk about what NEXA brings to the table.

NEXA 100 Unlimited offers the opportunity to earn up to 100% of your commission. You get the freedom to work from virtually anywhere you’re licensed, access to hundreds of wholesale lenders, an incredible variety of loan products, and the technology and resources to grow your business your way.

That’s a pretty compelling opportunity on its own.

Now, here’s what I bring to you specifically.

I’m a former DE-certified underwriter, lending manager, and closed-loan auditor with experience in FHA, VA, USDA, Conventional, Non-QM, NMTC, and commercial lending.

I’m also a NEXA University graduate and coach. I can help you learn NEXA, navigate the systems, and get comfortable with everything the company offers.

But my biggest value?

I can be the underwriting friend you’ll wish you’d known your entire career.

Tricky income? Call me.

AUS won’t cooperate? Call me.

A complicated scenario nobody seems to know how to close? Let’s figure it out.

And here’s something important. This is NOT a team.

I’m not taking points from your loans. You’re building YOUR business, not mine. I’m simply offering my experience and support to help you succeed.

There are two requirements:

1. You must be a seasoned, actively producing loan officer.
2. You must NOT have spoken with another NEXA loan officer about joining within the last 90 days.

I’m not looking to teach someone how to originate. I’m looking for experienced professionals who want to take their business to the next level.

10 spots. No team. No points. Just support.

Once they’re filled, that’s it until 2027.

If you qualify, let’s have a conversation.

Joel Perry | NMLS #1524594
NEXA Mortgage, LLC
480-710-7063

DM or text me directly.

MortgageProfessionals LoanOfficerRecruiting MortgageIndustry MortgageCareers WholesaleLending MortgageOriginator

10/27/2026

I’m opening 10 spots for seasoned, producing loan officers who want to join NEXA under me.

First, three things you need to know:

1. You must be an experienced, actively producing loan officer.

2. You must NOT have spoken with another NEXA loan officer about joining within the last 90 days.

3. THIS IS NOT A TEAM. I’m not taking points from your loans. You keep your compensation under NEXA’s compensation structure.

If that sounds good, keep reading.

WHAT NEXA BRINGS TO THE TABLE

Let’s start with the company itself, because there’s a reason NEXA is attracting so much attention.

* NEXA 100 Unlimited: The opportunity to earn up to 100% of your commission.
* Freedom: Work from virtually anywhere you’re licensed.
* Flexibility: Build your business your way, without unnecessary corporate restrictions.
* Lending options: Access to an enormous network of wholesale lenders and loan products.
* Support and technology: The systems, training, and resources to help you grow your production.
* Opportunity: The ability to scale your business and build something bigger than just your next closing.

That’s what NEXA brings. And frankly, that’s a pretty compelling reason to make a move all by itself.

NOW, HERE’S WHAT I BRING TO YOU SPECIFICALLY.

Me.

I’m a former DE-certified underwriter, lending manager, and closed-loan auditor with extensive experience in FHA, VA, USDA, Conventional, Non-QM, NMTC, and commercial lending.

I’m also a NEXA University graduate and coach. I know how to navigate NEXA, and I can help you do the same.

But here’s where I believe my value really comes in.

I can be the underwriting friend you’ll wish you’d known your entire career.

Tricky income calculation? Call me.

AUS won’t cooperate? Call me.

A complicated scenario that’s already been declined by three lenders? Let’s take a look.

I’ve spent years on the other side of the desk. I understand how underwriters think, what they’re looking for, and how to structure loans to get them closed.

I’m

10/26/2026

Stop trying to fit your investment deals into one lender’s box.

If you’re working with a single lender for your DSCR financing, you’re limited to their guidelines. If your deal doesn’t fit, you’re getting declined.

I’m a mortgage broker with access to hundreds of DSCR financing options. Different lenders, different guidelines, and different ways to get deals done.

No seasoning cash-out refinances, first-time investors, short-term rentals, rural properties, and complicated scenarios. These are just a few of the situations I work with every day.

With 15 years of underwriting and loan auditing experience, I know how to structure difficult loans and get them closed.

One lender’s decline doesn’t mean your deal can’t be financed.

Bring me your tough scenarios.

Joel Perry
NMLS #1524594
480-710-7063

Text or DM me to discuss your next investment.

10/11/2026

Your equity doesn’t have to wait.

What if accessing the equity in your home or investment property didn’t require weeks of paperwork, appraisals, and waiting?

AI-powered HELOCs are changing how homeowners and real estate investors access their equity.

Same-day closings are often available, with funding as soon as the next day for eligible investment properties.

Up to 90% combined loan-to-value in your personal name with no seasoning requirement. LLC-owned properties can qualify for up to 85% CLTV with just 90 days of seasoning.

Bank statements can be used for qualifying, credit scores can start at 640, and eligible properties under $400,000 may not require an in-home appraisal.

Whether you’re renovating, expanding your investment portfolio, or simply looking to put your equity to work, financing doesn’t always have to move at the speed of a traditional mortgage.

As a former mortgage underwriter, I bring more than a loan application to the table. I bring the experience to evaluate your scenario, identify potential obstacles, and help match you with the right financing.

Flip through the book to learn more.

Have questions about your equity? Text 480-710-7063 or DM me to set an appointment.

Loan terms, eligibility, closing timelines, and funding are subject to lender guidelines and approval. Consumer HELOCs may be subject to rescission periods.

09/29/2026

WHAT GOES INTO A MORTGAGE APPLICATION?

Buying your first home? Here’s a simple breakdown of what you’ll be asked for.

PERSONAL INFORMATION

Name, date of birth, Social Security number, marital status, contact information and citizenship/residency information.

RESIDENCE HISTORY

We need two years of residence history.

That does not mean you need to have lived in the same place for two years. You may have rented, owned, lived with family or lived rent-free. We simply list enough addresses to cover the two-year history.

EMPLOYMENT AND INCOME

We need two years of employment history, but that does not mean two years with the same employer.

Only list the income you want considered for qualifying.

This can include salary, hourly income, overtime, bonuses, commissions, self-employment, retirement, Social Security, rental income, child support, alimony and other eligible income.

ASSETS

Checking accounts, savings accounts, retirement accounts, investment accounts, gifts, grants and other eligible sources of funds.

LIABILITIES

Most of your liabilities will come directly from your credit report.

It’s also important to list contractual obligations that may not appear on your credit report.

REAL ESTATE OWNED

List any real estate you own, including primary homes, second homes, investment properties and land.

DECLARATIONS

Take your time with this section.

These questions cover things like occupancy, ownership interests, borrowed funds, judgments, bankruptcy, foreclosure and other financial circumstances.

Read each question carefully and answer accurately.

A mortgage application is really just the starting point. My job is to take that information, determine what actually matters for your loan and build the strongest file possible.

Thinking about buying your first home? DM or text me to set an appointment.

Joel Perry
480-710-7063
NMLS #1524594

Address

5559 S. Sossaman Road, Bldg 1, STE 101
Mesa, AZ
85212

Telephone

+14807107063

Website

https://prod.lendingpad.com/nexa/pos#/?loid=333d12e2-5863-4cc9-a14f-c8e3a33a0dc9, https://nmlsconsumeraccess.org/TuringT

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