Start Your Loan With the MLO Underwriter

No surprises. No guesswork. Just honest, precise mortgage guidance — from an underwriter who knows what it takes to close.

This isn’t just another mortgage website — it’s your tool for understanding the process and starting it with confidence. Here, you’ll find real answers, clear guidance, and a partner who values Precision, Integrity, and Community above all else. When you’re ready, I’m here to help you take the next step — the right way.

Start Your ApplicationApply Now with the MLO Underwriter

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I’m Joel Perry — The MLO Underwriter.

With over 12 years of underwriting experience, I bring Precision, Integrity, and Community to every client and every loan. My goal is to guide you through the process with clear answers, honest advice, and the confidence that your loan is done right the first time.

Whether you’re buying your first home, refinancing, investing, or just exploring your options, I’m here to help you start strong and finish with confidence.

Apply Online

Kick off the process with a simple online application, available 24/7 for your convenience.

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We get straight to work

Ethically Unparalleled Advice Direct

From the Underwriter. Customer Centric Designed for You.

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Meet the Underwriter

Expect a Custom Loan Plan Specific Only to You. From a FHA Certified Underwriter.

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Why Work Directly with the MLO Underwriter?

Precision, Integrity, and Community

Getting you to the finish line is what matters most to me. That’s why I’m here — to guide you through the process, solve problems before they become roadblocks, and do whatever I can to help you succeed. Whether it’s answering your questions, finding creative solutions, or staying available when others aren’t, my goal is simple: to make sure you close on your home or investment with confidence and peace of mind.

Expert Income Calculations

Request Only the Documents Policy Requires

FHA Certified Underwriter: Direct Endorsement

Present Coherent Files the Underwriter Will Easily Follow

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NEXA Mortgage and

The MLO Underwriter

As part of NEXA Mortgage, I have access to one of the largest networks of loan programs, lenders, and tools in the industry. With thousands of loan options and cutting-edge technology, I’m able to tailor a solution that fits your specific needs — not just what fits in a box. NEXA gives me the reach and resources to serve you better, no matter where you’re starting from.

Pairing NEXA’s vast platform with my underwriting background means you get the best of both worlds: a wide array of loan options and someone who truly understands how to structure them for success. I know what underwriters look for because I’ve been there — which allows me to anticipate issues, strengthen your file, and help you avoid costly mistakes that others might miss.

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1000+

Files Underwritten

20

Years of Credit Experience

2

States Served

200+

Lenders Available

Programs Available

Brief Description of a Sampling of Available Products

Conventional Lending

Competitive rates and flexible options for well qualified buyers.
A strong down payment can reduce or eliminate mortgage insurance — but as little as 1% down is required.

FHA

Low down payment and more forgiving credit requirements.
A great choice for first-time buyers or anyone rebuilding credit, with just 3.5% down and flexible guidelines.

VA

Exclusive benefits for veterans, active-duty service members, and eligible spouses.
No down payment, no PMI, and some of the best rates available — a powerful way to buy if you’ve served.

USDA

100% financing for eligible rural and suburban areas.
Income and location restrictions apply, but it’s a great way to buy with no down payment in the right area.

Home Equity

Tap into the equity in your home with a flexible line of credit.
Ideal for renovations, consolidating debt, or keeping funds on hand for when you need them.

Non-QM/Investor

Unique loan options for self-employed borrowers, investors, or unconventional scenarios.
Bank statement loans, DSCR loans, and creative programs for when traditional guidelines don’t fit.

Testimonials

I take pride in every client I work with — here’s what one of them had to say about the experience.

What to Expect

Here’s the roadmap to get you from application to closing — with me guiding you at every step.

Initial Interview
Let’s talk about your goals, your timeline, and what it will take to get you there. I’ll answer your questions and outline your options.
Application & Pre-Approval
If you’re purchasing, we’ll complete your application and issue a pre-approval so you can shop with confidence.
Processing
We’ll collect any additional documents we didn’t need for pre-approval and prepare your file for underwriting.
Conditional Approval
Once underwriting reviews your file, you’ll receive a conditional approval with a list of requested items — many of which you may not even need to supply.
Clear to Close
After all conditions are met, your file is cleared for closing and the final Closing Disclosure is issued.
Closing Day
Your signing is scheduled and we celebrate getting you across the finish line!