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

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

Today’s book: The Instagram Guide to Buying Your First HomeBuying your first home can feel complicated, especially when ...
09/25/2026

Today’s book: The Instagram Guide to Buying Your First Home

Buying your first home can feel complicated, especially when most of what you know about mortgages comes from things you’ve heard from friends, family or social media.

You need 20% down.
You need perfect credit.
You need two years at the same job.
You need a ton of money in the bank.

None of those statements tell the whole story.

There are zero-down loan options. Gift funds and down payment assistance may be available. School can count toward your employment history. Your credit profile matters beyond just the score. And the money available to you may go well beyond what’s sitting in checking and savings.

The biggest mistake you can make is deciding you don’t qualify before you’ve actually talked to someone who understands the options.

Flip through today’s book. If something surprises you, or you want to know what buying a home could look like for you, text me.

480-710-7063

Joel Perry
The MLO Underwriter
NMLS #1524594

Start your loan with the underwriter.

09/25/2026

Two best investment products that require no seasoning:

Cash out refinance up to 75% of the appraised value DSCR qualifying, LLC

Or

Bank Statement qualifying Home Equity Up to 90% of automated appraisal (under $400k loan amount) and soft credit up front.

Send me a dm or Text at 480-710-7063 to set a time discuss either of these options.

Have a great day.

09/24/2026

I have one special pricing incentive left.

It can be used for an eligible purchase or refinance on a QM product. Once it’s used, it’s gone.

You must apply, prequalify, submit and lock by October 30, 2026 to qualify.

If you’re buying a home or considering a refinance, DM me or text 480-710-7063 to see if your loan qualifies.

Joel Perry
NMLS #1524594

Most people don’t know what an underwriter does until there’s a problem.Your income gets calculated differently. A new c...
09/24/2026

Most people don’t know what an underwriter does until there’s a problem.

Your income gets calculated differently. A new condition shows up. Something you were told was fine suddenly isn’t. And sometimes the only explanation you get is, “That’s what underwriting says.”

It doesn’t have to work that way.

I spent my career as an underwriter and underwriting manager before becoming a loan officer. I know how an underwriter is going to look at your loan because I used to sit in that chair.

That means looking for issues before you make an offer, structuring the loan correctly from the beginning, and knowing when to push back when something doesn’t make sense.

Swipe through.

And if you’re thinking about buying, refinancing, or just want to know what you really qualify for, call or text me at 480-710-7063.

Start your loan with the underwriter.

09/24/2026

What is an underwriter actually supposed to do?

A good underwriter protects the borrower, the lender and the investor while looking for a path forward.

There are two very different approaches:

Old-school underwriter:
• Understands the guidelines
• Looks at the whole file
• Finds solutions
• Uses judgment and experience
• Looks for the path to approval

Box-checker:
• Checks the requirement
• Adds the condition
• Moves on to the next file

Unfortunately, after COVID and the rate increases, a lot of experienced senior underwriters left the industry. That experience matters.

I’m a former senior underwriter and underwriting manager. I use that background to challenge incorrect income calculations, fight unnecessary conditions and structure loans around the borrower’s actual scenario.

If you’re a first-time buyer and want to know how much you really qualify for, call or text 480-710-7063.

09/22/2026

There are a lot of mortgage “rules” that aren’t actually rules.

You need 20% down. Not true. Down payment options can start at 0%, depending on the loan program. But you should always plan for closing costs.

The seller can pay your closing costs. True, but how much they can contribute depends on the loan program, occupancy, and down payment.

You need two years at the same job. Not true. A two-year employment history does not necessarily mean two years with the same employer.

No credit is bad credit. Not necessarily. Having no traditional credit can mean a few extra hoops, but it doesn’t automatically prevent you from getting a mortgage.

Your co-borrower has to live with you. Not always. Some programs allow a non-occupant co-borrower.

Like most myths, there’s usually a little bit of fact behind them. The problem is figuring out which part is fact and which part doesn’t apply to your situation.

That’s where my underwriting background comes in. I can help you understand the guidelines before you start shopping for a home, so you know what your actual options are.

Text me at 480-710-7063 to set up an appointment and go over any questions you have.

09/21/2026

Not every DSCR loan fits in the easy box.

No seasoning cash out based on appraised value. No minimum loan amount. DSCR down to 0. FICO down to 600. First-time home buyer. Living rent free.

Any one of these can kill a DSCR loan with the wrong lender.

That’s where using a broker matters. I address the issues upfront and find the lender that actually fits the scenario instead of trying to force the loan into one set of guidelines.

Got a tough DSCR deal? Send it my way.

09/19/2026

DSCR cash out up to 75% LTV based on the appraised value with zero seasoning requirements.

If you have equity in an investment property and want to pull cash out, DM me or text me at 480-710-7063.

09/19/2026

If you’ve bought a home before, you probably know what an underwriter does. If you haven’t, you’ve probably at least heard the word.

Here’s what an underwriter actually does:

They’re the person who reviews your income, assets, credit, property, and documentation to determine whether your loan meets the guidelines.

Every mortgage lender has them.

But what if you could start your loan with someone who already knows how an underwriter thinks?

I’m a former Senior Mortgage Underwriter and Underwriting Manager. Today, I’m a mortgage broker.

I don’t work for the lender approving your loan. I work with multiple lenders to find the right home for your financing, and I’m only compensated when your loan closes.

That underwriting background gives my clients something different.

Before your file ever reaches an underwriter, I’m looking at it through an underwriting lens. I know the guidelines. I know how income should be calculated. I know what documentation actually matters. I know when a condition makes sense—and when the guidelines support pushing back.

And when something complicated comes up, my job isn’t simply to pass along what the lender says.

My job is to understand the issue, know the rules, find the solution, and advocate for your loan all the way to closing.

Every lender has an underwriter.

Now you can start your loan with one.

DM me to connect.

Address

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

Telephone

+14807107063

Website

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