Joanna Perry | The Loan Lady Club | Mortgage ...
Mortgage Broker
California State University, Sacramento
Joanna Perry is a licensed California Mortgage Broker and founder of The Loan Lady Club (NMLS #243348). Based in Orangevale, she provides financing for residential and investment properties throughout Northern California. With over 17 years...... Show More
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Business Hours
Thu
9 AM to 5:30 PM
Fri
9 AM to 5:30 PM
Sat
11 AM to 2 PM
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Reviews from Web
Joanna is the best! She is extremely knowledgeable and keeps you informed throughout the entire process. She is also very likable and friendly which made for an extremely painless experience. I will not use anyone else from here on out.
Joanna was a life saver for us! After having a terrible experience with a big bank for our home loan she was able to quickly get loan through. She always kept us informed and went above and beyond!
Reply from Owner
April 27th, 2026 09:10 PM
Trevor, thank you so much for sharing this. I know how stressful it can be when a lender leaves you feeling lost, and I am so glad we were able to turn that experience around for you. Keeping you informed every step of the way is something...
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Joanna was a godsend in our home buying process. We had to drop our first lender due to their ridiculous demands but Joanna was able to get our loan done amazingly fast and was always available to answer all of our questions. We never had to...
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Reply from Owner
April 20th, 2026 08:10 PM
Thank you so much for taking the time to share this. Reviews like yours remind me exactly why I built The Loan Lady Club the way I did.
My approach has always been education first. Whether someone is buying their first home in Orangevale,...
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FIVE STAR SERVICE! A true expert in her field. The financial knowledge she shared will stay with me forever. Joanna is one of a kind and I'm so thankful to be a part of "The Loan Lady Club". I would recommend her services to all my friends...
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Reply from Owner
April 17th, 2026 08:14 PM
Thank you so much for taking the time to share this. Reviews like yours remind me exactly why I built The Loan Lady Club the way I did.My approach has always been education first. Whether someone is buying their first home in Orangevale, Roseville,...
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Joanna is amazing to work with! Very straight forward on the escrow process of purchasing a home. As things were needed, she was very punctual on communicating with great detail. Made my home purchasing experience feel comfortable and stress...
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Reply from Owner
March 29th, 2026 11:10 PM
Thank you so much, Julio.I really appreciate you taking the time to leave this review. I am glad the escrow process felt straightforward, and that my communication helped you feel comfortable and stress free throughout. Congratulations again...
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Joanna is wonderful to work with! I had an excellent experience, she is professional, knowledgeable, and highly responsive throughout the entire process.I initially purchased a property using a construction loan, and once construction was completed,...
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I cannot say enough good things about Joanna Perry, Ax Cortes, and The Loan Lady Club. I worked with them for my mortgage and the experience was smooth, clear, and extremely well organized. Joanna and Ax are education first. They took the time...
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Joanna and her team were incredible to work with. Whether it was consistent updates on the loan or working through obstacles that came up, they always found a solution and were always on top of things!
Reply from Owner
February 19th, 2026 04:43 AM
Nevan, thank you for taking the time to share this. It means a lot coming from a Realtor who is in the details with the client and the timeline.Our goal on every purchase is simple: clear, consistent communication, and calm problem solving...
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I call Joanna my “miracle worker” because while everyone else is busy telling me it can’t be done Joanna is out there getting it done for me.I am a repeat client who did my first real estate transaction (first time home buyer) with Joanna in...
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Reply from Owner
February 13th, 2026 09:01 PM
Charlene, this truly means so much to me. Thank you.From your first home purchase in 2018 to your recent HELOC, it has been such an honor to walk alongside you through multiple chapters. That kind of trust is never taken lightly.I am especially...
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I was so nervous to make this call, but Joanna was so reassuring and knowledgeable and she made me feel so much better.Her expertise is invaluable. She is so helpful and makes the process easy to understand.I'm so glad that I made that call....
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Reply from Owner
February 13th, 2026 09:06 PM
Jacob, thank you so much for taking the time to write this.I know that first call can feel intimidating. There is a lot of noise out there about mortgages, and sometimes people expect it to feel overwhelming. I am really glad you made the call...
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About
Joanna Perry is a licensed California Mortgage Broker and founder of The Loan Lady Club (NMLS #243348). Based in Orangevale, she provides financing for residential and investment properties throughout Northern California. With over 17 years of experience and thousands of successful closings, Joanna helps clients find clear, transparent loan options for purchases, refinances, and investor loans—always focused on education, integrity, and lasting results.
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Conventional Home Loan
Home Renovation Loan
Home Equity Loan
Down Payment Assistance
Mortgage Refinance
Mortgage Loan Application Assistance
Mortgage Loan Shopping Assistance
Mortgage Rate Shopping Assistance
Specialities
Home Loan Product and Program Analysis
Mortgage Preapprovals and Consulting
First Time Homebuyer Education
Refinance
Home Equity Lines of Credit
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/850
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Education
- California State University, SacramentoFinance & Real EstateBachelors in FinanceMay 2002 -May 2006
Positions
- The Loan Lady Club - President and Sr. Loan OriginatorApr 2nd, 2018 - Current
Addresses and Serving Areas
Year Started
2006
Licenses
- NMLS 243343 powered by NMLS 2179191
Gallery
Awards
Hobbies
- 🐶 My Aussiedoodle playtime! Growing Organic Vegetables, Real Estate Investing, Pilates
Disclaimer
The Loan Lady Club NMLS 243348, powered by XHL LLC NMLS 2179191, is a Real Estate Broker Licensed by the California Department of Real Estate, DRE #02166758, NMLS 2179191. Our local office address is 9278 Madison Ave., Orangevale, CA 95662. The corporate office is 1100 Satellite Blvd. NW, Suwanee, GA, 30024.
Legal Disclaimer: https://xperthomelending.com/legal/
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