Your Trusted Ally
in Homeownership

Empowering Homeowners With Purchase Loans, Refinance Loans, Home Equity Loans, and More

Premium Mortgage Brokerage Company

At The Loan Lady Club, we are a residential mortgage brokerage company providing home loan services licensed in multiple states. Unlike many others in the industry, we offer dialed-in quotes based on accurate information instead of wild speculation and uncertainty. Our goal is to provide you with clarity and confidence as you navigate the path to homeownership. We have very strong morals and values.

Meet Our Founder

Our founder, Joanna Perry, is known in the industry as someone who gets things done. Joanna is a straight shooter. People love her because she tells you what is optimal for you regardless of how it impacts her own profitability. Joanna believes in doing what is right and will get you to the best lending program. She often works with colleagues at large banks and small credit unions when the broker market is not the best fit to serve a unique need. One thing is for sure: Joanna is your starting point on the journey to purchasing a home.

A woman holding a pen and smiling for the camera.

Our Journey

The Loan Lady Club was founded to revolutionize the mortgage industry by prioritizing people over profits. Inspired by our founder's own experiences as a borrower, where she encountered a lack of transparency and guidance, the company was established to offer honest, personalized mortgage services. Our mission is to make homeownership a positive and rewarding journey, providing clear, straightforward advice and a wide range of mortgage programs to meet diverse needs. We stand out in an industry often marked by a lack of diversity and overconfidence by focusing on respect, attention, and empowerment for every client.

Empowering Homebuyers With Transparency and Care

The Loan Lady Club addresses the critical issues of transparency, education, and genuine customer care in the mortgage industry. Many borrowers face a complex landscape filled with misinformation, and professionals are more focused on commissions than client needs, leading to missed opportunities and feelings of vulnerability. We provide precise quotes and tailored solutions to each client's unique circumstances, fostering long-term partnerships based on trust, integrity, and mutual respect. Our goal is to empower clients with the knowledge and support they need to make informed decisions, transforming the often daunting journey to homeownership into a smooth and successful experience.

A man and woman sitting at tables with papers.

Our Unique Approach

At The Loan Lady Club, we transform the path to homeownership by starting with a personalized introductory call, bypassing immediate data collection. Our client-centric approach emphasizes education and empowerment, providing each client with a detailed roadmap. A standout feature is our Buyer's Edge presentation, offering comprehensive education on crucial aspects of home buying. From demystifying contract language to offering strategies for outperforming competing buyers, our transparent, educational, and personalized approach sets us apart, ensuring a seamless, successful journey.

Our Niche Clientele

The Loan Lady Club aims to assist individuals and families in California, seeking homeownership in the $400,000 to $950,000 price range, who value transparency, expertise, and personalized attention in their mortgage journey. Characterized by traits such as resourcefulness and responsibility, they desire a seamless home buying experience, minimal paperwork, and tailored solutions. The company also serves the underserved Spanish-speaking community and offers targeted marketing and educational content for various life stages and milestones. As the mortgage industry evolves, clients seek relationships with trustworthy professionals who prioritize traditional values, honesty, and integrity. The Loan Lady Club remains proactive in meeting these changing needs through continuous learning and introducing services like home equity lines of credit, driven by feedback indicating growing interest in real estate investment, home construction, and relocation resources.

Two people sitting at a table with a laptop
A woman holding up a sign that says " se habla espanol ".

Encuentra Tu Hogar Ideal con Ayuda de Expertos Bilingües

¡Hola! En The Loan Lady Club, estamos encantados de ayudar a las familias a encontrar la casa de sus sueños con pagos que puedan pagar. Ax Cortes, nuestro oficial de préstamos, habla español y está aquí para hacer todo el proceso lo más fácil y cómodo posible. Sabemos lo importante que es para ti tener un hogar donde puedas crear recuerdos inolvidables. No dudes en contactarnos; estamos aquí para ayudarte en cada paso del camino. ¡Llama a Ax Cortes hoy mismo al (530) 665-3623 y comencemos a buscar la casa perfecta para ti!

Our Mission

The Loan Lady Club, led by Joanna Perry, is on a mission to empower individuals and families to achieve their dreams of homeownership and investment. This mission, rooted in transparency, trust, and integrity, drives personalized solutions at every step of the journey. Joanna's commitment, recognized through various awards, underscores her expertise and dedication to excellence, adapting to new challenges while staying true to core values. Shared with both her team and clients, this evolving mission aims to create a lasting impact on the community, reinforcing the value of trusted, expert guidance in financial goals. Our mission is to champion the dreams of hardworking people by offering expert solutions, home buyer education and innovative strategies that lead to financial freedom and success, building legacies and strengthening communities one homeowner at a time.

Why Choose Us

  • We have The Most Competitive Pricing and Fees Available!
  • Core Values of Integrity, Client-Centric Approaches, and Continuous Learning
  • Principles Driving Personalized Homeownership Plans and Access for Diligent Individuals
  • Innovative Solutions, Like Collaborating With Local Unions During Fema Flood Disasters
  • Commitment to Transparency and Ethical Practices, Evident in Pioneering Work With DACA loans
  • Preference for Smaller, Quality-Focused Staff to Ensure Alignment With Company Ethos
  • Our Bilingual Team, Fluent in Spanish, Caters to a Flourishing Segment of Spanish-Speaking Borrowers, Ensuring That Everyone Has Access to Our High-Quality Services.
A man and woman standing in front of a sign.

The Essence of Our Brand

In the dynamic realm of homeownership and investment, Eleanor, the emblematic figure of The Loan Lady Club, stands as a beacon of integrity and client-centricity. With a professional yet approachable demeanor, she exudes confidence and wisdom, navigating the complexities of real estate with expertise and transparency. Eleanor's genuine warmth, genuine smile, and efficient, solution-oriented approach embody The Loan Lady Club's brand essence, serving as a steadfast ally in guiding individuals and families toward their dreams of homeownership.

Personalized Service

At The Loan Lady Club, we believe in a hands-on approach. Although we have hired and trained many loan officers, our founder, Joanna Perry, personally works directly with clients to ensure involvement every step of the way. This dedication to personalized service means you will work with us, including Joanna and our team member Ax, from the initial consultation through to closing. We are passionate about helping families not only achieve homeownership but also build lasting wealth. Our favorite journeys are those where clients return to buy a move-up home or invest in real estate for income and cash flow purposes. These full-circle wins are a testament to the trust and satisfaction our clients have in our services.

Get in Touch

If you are looking for a mortgage brokerage that prioritizes your needs and empowers you throughout the process, we invite you to contact us today. Visit our contact page to get in touch with us and learn more about how we can assist you in achieving your homeownership dreams. Let us help you unlock the door to your next level of wealth.

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$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421