The Real Joe Perry Home Loans | Fresno Mortgage Loans

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ABOUT ME

With years of experience in the home loan industry and as a Mortgage Banker skilled in Banking, Credit Analysis, and Loan Origination, I feel a high sense of satisfaction and joy any time I am working with a client and help them attain what they need.

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About

I Offer Skilled, Secured, and Transparent Services

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What you see is what you get. No hidden fees, no hidden meanings.

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IN THIS TOGETHER

I offer products and services designed to put YOU first.
Always.

Testimonials

TESTIMONIALS

An insight to what my clients have to say

My Agent Joe Perry did an
excellent job keeping
things on schedule and
answering any questions on things I didn't understand.
Overall a painless and fast
process. Thank you for
your hard work, Joe!!

-Michael M.

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The Creative Ramblings of a Restless Mind

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FOLLOW ME ON INSTAGRAM

Simon (aka Science Guy) back for treats! 🥰

#catsareawesome #ilovecats #wutangisforthechildren #catmanjoe #catrescuer #catguysarethebestguys #catguy #catdude #catsmakemehappy #rescuecatsarethebest #therealjoeperry #catsoftheday #rescueismyfavoritebreed

😼 Hey, hey, Joe here, your Mortgage Ninja and Catman who reads the ROI math so you don't have to.

💡Thinking about investing in a rental property? Let's go deeper than just "rent minus expenses."

Here are the real numbers savvy investors look at:

📊 Cash-on-Cash Return – how much actual cash you're earning on your down payment

📈 Cap Rate – a quick way to compare properties without emotions

🔁 Internal Rate of Return (IRR) – shows the long-term yield over time

💸 Gross Rent Multiplier (GRM) – a fast snapshot of how quickly a property might pay off

🏦 Operating Expense Ratio (OER) – tells you if you're spending too much to run the place

📣 If you want your rental actually to make you money, not just break even, these numbers are your best friends.

💬 Curious about how to run the numbers before you buy? Got a property in mind? Ask me below!#RentalPropertyROI #RealEstateInvesting #CashflowGoals #CapRateMatters #PropertyAnalysis #MortgageNinja #Therealjoeperry #Therealjoeperryhomeloans #Mortgagejedi #Catmanjoe

Hey, Joe Perry here, your Mortgage Ninja and deal slicer 😼🏠

🔍 Syndicated mortgage investments can open doors to bigger deals with less personal capital.

Here’s the deal:

⚖️ Rewards: Access bigger projects, diversify risk, get passive income

⚠️ Risks: Market shifts, loan defaults, legal complexity, less control

Savvy investors do their homework, review the terms, understand the structure, and closely monitor risk layers.

🧠 It’s not just about chasing significant returns. It’s about protecting your investment while growing it.

💬 Got experience with syndication? Or are you thinking about jumping in? Share your story or questions below!#SyndicatedInvesting #MortgageInvestment #PassiveIncomeTips #RealEstateFunding #InvestorEducation #MortgageNinja #Therealjoeperry #Therealjoeperryhomeloans #Mortgagejedi #Catmanjoe

👋 Hey, hey, it’s your Catman and Mortgage Ninja Joe Perry.

🧢 Today’s about giving props to the real MVPs, dads. The ones who show up, fix stuff, teach life lessons, and somehow know everything about tools and BBQs.

🏠 And yep, many dads are also behind the scenes building financial security. Whether it's buying that first home, refinancing to save for college, or investing for the long haul, they’re always thinking of the next move for the family.

💬 Know a dad who’s made smart money moves for his crew? Or maybe you're that dad? Drop a comment and let’s give them their well-earned shout-out.

#FathersDay2025 #DadGoals #SmartDads #FamilyFinance #MortgageTips #HomeownershipJourney #MortgageNinja #Therealjoeperry #Therealjoeperryhomeloans #Mortgagejedi #Catmanjoe

😼 Hey, it's Joe, your Mortgage Ninja and Catman comin' at you from the sunny side of life.

🌵 Thinking about where to put down roots? Let me tell you why Arizona keeps popping up on the radar (besides the epic sunsets).

☀️ 1. Sunshine 300+ days a year.

No joke, you can retire your snow boots and live in shorts most of the year—vitamin D on tap.

💸 2. Lower cost of living.

Compared to California or New York? It's like getting a raise without changing jobs. More home, less monthly stress.

📈 3. Booming job market.

Tech, healthcare, and construction are all thriving. New businesses are moving in fast, and so are the opportunities.

💬 Arizona locals, what made you stay? Or, if you're thinking of moving, what's on your must-have list? Drop it in the comments 👇

#MoveToArizona #LifeInAZ #ArizonaLiving #HomeBuyingTips #RelocationIdeas #MortgageNinja #Therealjoeperry #Therealjoeperryhomeloans #Mortgagejedi #Catmanjoe

Hey, hey, Joe here, your Mortgage Ninja and cat-loving deal whisperer 😼💼

🏢 Got equity sitting in your commercial property? Cash-out refinancing might be your next power move.

Here’s why savvy investors are using it:

💰 Access capital without selling

🔧 Fund major renovations or upgrades

📈 Reinvest in higher-yield properties

💳 Consolidate high-interest business debt

📊 Improve cash flow or expand operations

But it’s not just about pulling money out…

⚠️ You need the right strategy to avoid overleveraging

⚠️ You want favorable terms based on updated property value

⚠️ You should plan how that capital will grow your business or portfolio

🧠 It’s all about using equity as a tool, not just a quick payout.

💬 Thinking about refinancing your building? Got questions? Drop them below and let’s chat through the smart options.

#CommercialRefinance #CashOutStrategy #PropertyEquity #RefinanceToInvest #BusinessGrowthMoves #RealEstateFinance #MortgageNinja #Therealjoeperry #Therealjoeperryhomeloans #Mortgagejedi #Catmanjoe

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