All Work and No Play Makes Joel a Dull Boy

Without balance there is no life

The Loan Officers Anthem-Ozzie and The MLO Underwriter

These are a Few of My Favorite Things....

Some of Me and My Family's Favorites

Cheesy. Comforting. Always a good idea.
Craft64 — Neapolitan pizza with an extensive beer list. Try the Honey Bee or Smokehouse.
Website | Call | Multiple Locations
The Parlor — Seasonal menu, craft pizza, exquisite salads. The Street Corn pizza is a favorite.
Website | Call | Phoenix
Pizzeria Bianco — Legendary, rated best in the nation. James Beard-winning chef.
Website | Call | Multiple Locations
Forno 301 — Fast and efficient, all homemade and well done.
Website | Call | Multiple Locations
Florencia Pizza Bistro — Large-format pizza with chewy crust and great specialties. Try the Mykonos or BBQ Chicken Ranch.
Website | Call | Ahwatukee
Caffeinated. Cozy. Community.
The Buzzed Goat — Beer and coffee, enough said.
Yelp | Call | Multiple Locations
Where U Bean — Local favorite.
Yelp | Call | Multiple Locations
Coffee & Flowers — Tucked away in Ahwatukee but worth the drive.
Yelp | Call | Multiple Locations
Cartel Coffee — Throughout the Valley. Downtown location recommended.
Website | Call | Multiple Locations
Quick. Satisfying. Local favorites.
Ted’s Hot Dogs — Buffalo transplant doing charcoal grilled dogs & burgers.
Website | Call | Tempe
Lee’s Sandwiches — Bahn Mi done right, with in-house baguette ovens.
Website | Call | Chandler
Mi Casita — Hole-in-the-wall Mexican spot with giant burritos.
Yelp | Call | Phoenix
El Jefe’s Birria & Tacos — Excellent birria, multiple locations.
Website | Call | Multiple Locations
Great Wok — Ahwatukee mainstay for nostalgic Chinese food.
Website | Call | Ahwatukee
Relax. Savor. Enjoy the experience.
Casa Reynoso — My favorite Mexican place. Tortillas are to die for. Don’t skip the chile relleno.
Yelp | Call | Tempe
Stone & Vine — Excellent Italian, reasonably priced, with sister kitchen Brenda’s in Scottsdale.
Website | Call | Chandler
Demaggio’s — Tiny Italian spot in Scottsdale. Homemade pasta & mozzarella. Reservations recommended.
Yelp | Call | Scottsdale
Society — Insta-worthy interior with elevated but approachable food.
Website | Call | Chandler
Oliver’s — Upscale rustic tavern food. The meatloaf was perfect.
Website | Call | Scottsdale
Posh. Extravagant. Memorable.
Maple & Ash — Amazing service, steaks & seafood towers. Look for truffles throughout.
Website | Call | Scottsdale
Mastro’s City Hall — Legendary for a reason. Best deal: porterhouse (basically two steaks).
Website | Call | Scottsdale
Nook Kitchen — Most affordable fine dining here. Seasonal menu.
Website | Call | Phoenix
Ocean 44 — Super high-end seafood. Can’t miss: scallops & gnocchi.
Website | Call | Scottsdale
La Hacienda — High-end Mexican at the Princess in Scottsdale.
Website | Call | Scottsdale
Fuel your day. Sweet or savory — your choice.
Snooze — Menu rotates, many locations, booze & espresso.
Website | Call | Multiple Locations
Butters — Legendary pancakes, fresh juice, espresso.
Website | Call | Scottsdale
Daily Dose — Multiple locations, full bar, Old Town location recommended.
Website | Call | Multiple Locations
Matt’s Big Breakfast — Famous AZ breakfast joint. Only for the hungry.
Website | Call | Phoenix
Over Easy — Nice variety, multiple locations.
Website | Call | Multiple Locations
Cheers. Good vibes. Great pours.
Bleachers — Handmade fries, affordable, with off-track betting.
Yelp | Call | Ahwatukee
Philly’s — Multiple locations, consistent food, many TVs.
Website | Call | Multiple Locations
Four Peaks Brewery — ASU mainstay. Good food & busy.
Website | Call | Tempe
Arizona Wilderness — Great beer selection, good food, multiple locations.
Website | Call | Multiple Locations
SanTan Brewing — Great beer, great downtown Chandler location.
Website | Call | Chandler
Play. Laugh. Make memories.
Top Golf — Anyone can play & win. Food above average.
Website | Call | Multiple Locations
Slick City — Indoor slide parks, huge hit with kids.
Website | Call | Multiple Locations
Electric Pickle — Indoor/outdoor pickleball. Food & drinks.
Website | Call | Scottsdale
Sunsplash — Water park & arcade in Mesa.
Website | Call | Mesa
Lane Park — Duck bowling, axe throwing, curling. For all ages.
Website | Call | Scottsdale
Fresh air. Green spaces. Classic Arizona.
Kiwanis Park — Tempe staple.
Website | Tempe
Tumbleweed Park — Chandler, home of the ostrich festival.
Website | Chandler
Pecos Park — Ahwatukee with water park, community center & skate park.
Website | Ahwatukee
Encanto Park — Amusement park & green space.
Website | Phoenix
Freestone Park — Gilbert community favorite.
Website | Gilbert

Pass my Quiz and Receive a Credit for your Credit Report at Closing*

Free. Fun. Rewarding.

*When you complete the Underwriter Quiz, apply with me, and close your loan, I’ll credit you back up to $75 per borrower for the cost of your initial credit report. This credit will show on your Closing Disclosure and reduce the amount you need to bring to closing — it doesn’t come back to you as cash, but it does save you money. Credit applies to the initial credit report only, and not to any additional reports or updates that might be needed later. Please reach out if you have questions!

Branding Fun But with Real Heart and Meaning

A Bird? A Plane? Nope — It’s the MLO Underwriter, Saving Deals One File at a Time.

The superhero represents the part of me that borrowers and realtors rarely see — the one who dives headfirst into chaos, battles deadlines, and shields clients from guideline disasters. He’s an exaggerated version of my ability to stay calm under pressure and fight through problems others run from. The salt-and-pepper hair, the confident stance, and the “MLO UW” logo on his chest all nod to my years of experience and quiet determination to get deals done. He’s not flashy — just focused, strong, and ready to save the day when a file is on the line.

Strong, Steady, and Always in the Room — The Elephant Who Never Forgets Your Goals.

The elephant is my softer strength — approachable, grounded, and deliberate. He represents the wisdom and patience I’ve built after years of underwriting, as well as the weight of responsibility I carry when I write a prequalification or guide someone through their loan. His outfit — rolled-up sleeves, suspenders, and newsboy hat — speaks to my hands-on, old-school work ethic.

But there’s more to him: elephants live and thrive through their community. They look out for one another, teach the young, and never leave anyone behind — and that’s very much how I see my role too. Whether it’s borrowers, realtors, or colleagues, I believe in building trust, supporting others, and making sure no one feels they’re navigating this alone.

Get In Touch

Joel Perry, The MLO Underwriter

NMLS 1524594

AZ License

480-710-7063

Email: [email protected]

NEXA Mortgage

NMLS 1660690

Company State License #: AZMB - 0944059

Address: 5559 S Sossaman Rd. Bldg#1 STE 101, Mesa, AZ 85212

www.NEXAmortgae.com

https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690

Hours of Operation:

Mon - Fri 7-8 PM

Saturday 8-5 PM

Sunday 10-2 PM