Joel Perry Mortgage Loan Originator with Nexa Mortgage. NMLS 1524594

Joel Perry Mortgage Loan Originator with Nexa Mortgage. NMLS 1524594 Licensed Mortgage Loan Officer with the soul of an Underwriter

08/28/2026

90% HELOC — up to 80% when vested in an LLC
Zero-seasoning DSCR cash-out — up to 75% LTV
93%+ financing on flip purchases + 100% rehab
Short-term rentals
Rural properties
Acreage
Mixed-use
5–25 unit properties
Commercial
No-credit-score options
No-minimum-loan-amount options
No-DSCR options

I’m a former Senior Underwriter — and not the kind of underwriting you see too often today.

My job was to approve every loan that was eligible, not find a reason to kill it. That means I know guidelines, I know how underwriters think, and I know how to fight for a loan when a condition or decision isn’t warranted.

I regularly get conditions waived and underwriting decisions overturned without ever having to involve the client. That’s simply part of the total package I bring.

As a broker, I navigate the options for you, fight on your behalf, and being part of the largest mortgage brokerage in the country gives me access to aggressively negotiated wholesale pricing.

There are a lot more options out there than most investors realize.

08/20/2026

Real estate investors — your financing options may be a lot broader than you think.

A few options worth knowing about:

**Up to 90% LTV bank statement HELOCs** — access equity without touching the rate on your existing first mortgage.

**DSCR cash-out up to 75% of appraised value with ZERO seasoning.** Buy today and potentially refinance tomorrow based on the new appraised value rather than waiting 6 or 12 months. Program requirements apply, but for the right deal this can be a very powerful tool.

I also work with a wide variety of DSCR lenders because not every investment property or investor fits neatly into one lender's guidelines. Different lenders have different appetites for property types, credit profiles, experience, acreage, short-term rentals and other scenarios.

And when DSCR financing isn't the right fit yet, I have **hard money options** available for acquisitions, flips and other situations where speed or flexibility matters.

My job isn't to try to fit every investor into one lender's box. It's to figure out which lender and financing structure actually fit the deal.

If you have a property you're looking at or a deal you're trying to structure, send me the scenario. Happy to take a look and tell you what options make sense.

08/20/2026

A little bit about how I can help you — and then a really easy way you can help me.

Most of you know I’m a mortgage broker, but before I became a loan officer I spent years as a mortgage underwriter. That background means I tend to approach mortgages a little differently. I’m much more focused on finding solutions, understanding the guidelines and figuring out how to get a loan across the finish line.

Whether you’re buying a home, refinancing, investing in real estate, dealing with complicated income, or you just have a mortgage question and don’t know who to ask — reach out. I’m always happy to help.

Now, **how you can help me.**

When you see one of my mortgage posts, give it a like, leave a quick comment, or share it.

That's it.

Facebook uses engagement to decide which posts get shown to more people. A like or comment from you can help my post reach other people with similar interests who may actually need the information I'm sharing.

You may never need a mortgage from me, and that's completely fine. But that one click might help put one of my posts in front of someone who does.

It takes a second, costs absolutely nothing, and genuinely helps me grow what I'm building.

I would greatly appreciate it. Thank you!

07/31/2026

I love the tough files.

Anyone can close the easy ones. Send me the ones everyone else has given up on.

Recent purchase cash-out
Living rent free
First-time investor
Short-term rental
Construction loans
Low loan amounts
Low DSCR
85% purchase and rate/term options

Not every deal works.

But not every deal is dead just because one lender said no.

Every lender has different guidelines. Finding the right fit is what I did for years as a senior underwriter, and it’s what I still enjoy doing today.

If you think I might be able to help, send me a message.

07/28/2026

Tap into equity fast with AI-powered Equity Lines of Credit.

All occupancy types.
Up to 90% LTV, including investments.
No appraisal on most loans under $500k.
Soft credit check to see terms.
Often start and sign the same day.
Funding in as little as 5 days.

Not the only equity option I have, but at 90% LTV, it is the highest LTV option I have on an investment property.

DM me for more details.

07/27/2026

Access the equity in your investment properties.

• DSCR HELOCs & second liens starting at 75% CLTV. Traditional appraisal and title required.

• Bank statement investment loans up to 90% CLTV (720+ FICO for 90%). Fast-close options available—start your application in the morning and potentially sign that afternoon. No appraisal under $500K loan amount. Soft credit check upfront for terms.

Questions? Reach out anytime.

07/22/2026

Jumbo, Non-QM, and HELOC financing available.

Whether you're looking for a jumbo loan up to $20 million or a HELOC up to $1 million, being a mortgage broker means I can shop your scenario across multiple lenders to find the financing that best fits your goals—not just today, but for the long term.

Purchasing a primary residence, a second home, an investment property, or refinancing? Self-employed and need bank statement or other non-traditional income options? There are often far more solutions available than most people realize.

Before becoming a mortgage loan originator, I was a tax credit underwriter, underwriting and analyzing commercial developments with project values exceeding $500 million. That experience taught me how to evaluate complex transactions, anticipate challenges before they become problems, and keep deals moving toward the finish line.

My job doesn't end when you submit an application—that's where it truly begins. I stay involved throughout the process, helping structure the loan, working through underwriting, communicating with all parties, and solving problems before they become obstacles.

Every borrower is different. My job is to find the lender and loan product that's the right fit for your unique situation—not force your situation into one lender's box.

07/22/2026

Don't build the walls that stop you from becoming a homeowner before anyone else does.

Yes, there are situations where buying a home isn't possible today. But don't make that decision for yourself based on something you heard, a rumor online, or a story from someone else's experience.

Come talk to me first.

Ask me anything. There is never any pressure, never any obligation, and no sales pitch.

I spent years as a certified mortgage underwriter, lending manager, loan auditor, and now a mortgage loan officer. I've seen the mortgage process from every angle—from the initial conversation all the way to the closing table.

That experience allows me to evaluate your situation the way an underwriter would. My goal isn't to get you excited for a few weeks just to find out you don't qualify. My goal is to give you honest answers upfront and help you understand exactly where you stand.

In many cases, my prequalifications are about as close to a true preapproval as you can get without the official underwriting process.

If we talk and there really are roadblocks, let's map out a new route instead of assuming the journey is over. Most obstacles have a path around them—you just need to know where to look.

If you're ready to buy, I'll help you move forward with confidence. If you're not quite there yet, you'll know exactly why, what your options are, and what your next step should be.

Don't let assumptions decide your future.

Let's have a conversation. Straight answers. No pressure. Just guidance from someone who's spent a career understanding how mortgage decisions are really made.

07/18/2026

DSCR loans come in all shapes and sizes. From $10,000 to $3,000,000+. The trick with DSCR is every lender sets their own rules. Where one says no to something another says yes. Navigating the mix of lenders and their guidelines is where my background in underwriting really shines. If you’ve got a tricky DSCR scenario, reach out and let me see if I can help
Have a great day!

Address

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

Telephone

+14807107063

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