The Loan Lady Club

The Loan Lady Club is a Mortgage Broker in Orangevale, CA. It provides pre‑underwriting services and a full range of loan programs, including CalHFA, FHA, VA, DSCR, and HELOC, while emphasizing education for homebuyers. With more than 15 years of experience and a 4.90 rating from clients, the firm serves borrowers throughout California, focusing on those who want a clear understanding of their financing options before beginning a home search.

The business operates on an education‑first model. Prospective buyers receive a free 30‑minute phone consultation that reviews goals and eligibility without a credit pull. Joanna Perry, the CEO and senior mortgage broker, personally handles each file after having worked in every role of the lending industry and earning a finance degree from Sacramento State. She and her team conduct a complete pre‑underwriting review before a client views any property, then break down itemized fee worksheets and loan options in plain language so the client can decide what best fits their family. The approach eliminates last‑minute surprises, reduces stress, and allows offers to be made with a fully vetted budget.

Located on Madison Avenue, The Loan Lady Club sits just a short walk from Twin Lakes Elementary School (about 0.4 mile) and Burchill Creek (approximately 0.5 mile). Greenback Lane is nearby at roughly 0.6 mile, while the Rollingwood YMCA is 0.7 mile away and Sacramento Metro Fire Station Number 22 lies about 0.8 mile from the office.

By pairing thorough pre‑underwriting with clear, client‑focused education, The Loan Lady Club gives Orangevale homebuyers a confident and streamlined path to homeownership.