http://www.mortgageplannersonline.com/ The Mortgage Planners are a full service mortgage lender based in San Diego, California and have been helping clients with home loans since 2003. They have Mortgage Banking and Broker channels available to their clients to help with purchase, refinance, and reverse mortgages. The Mortgage Planners are affiliated with West Coast Mortgage, a local Direct Lender in San Diego for the past 15 years. The benefits of being a direct lender include controlling the loan documents and funding of the loan, more competitive interest rates and fees, and quicker underwriting time periods.

1. The Mortgage Planners are a full service mortgage lender based in San Diego, California and
have been helping clients with home loans since 2003. They have Mortgage Banking and Broker
channels available to their clients to help with purchase, refinance, and reverse mortgages. The
Mortgage Planners are affiliated with West Coast Mortgage, a local Direct Lender in San Diego
for the past 15 years. The benefits of being a direct lender include controlling the loan
documents and funding of the loan, more competitive interest rates and fees, and quicker
underwriting time periods.
Ask questions and listen to our clients in order to fully understand their needs
Create mortgage solutions that complement our client's overall financial strategy, and allow them to
effectively accomplish their short and long term financial goals
Be sensitive to the fears that many homebuyers have about obtaining a mortgage loan and earn their
confidence as a trusted advisor
Use the latest technology to complement our customer service, making adjustments when necessary to
avoid overwhelming our clients who are less technically proficient
Respect our client's time and minimize the amount of effort required of them by applying our
knowledge, experience, and resourcefulness
Communicate regularly and proactively with our clients to keep them informed of the status of their loan
and to reduce the stress associated with uncertainty
Ensure smooth, on time closings with anticipated costs and terms
Provide our clients the luxury of home loans in the future with minimal effort on their part
Take full responsibility for our actions and be honest at all times
Seek to improve the quality of service we provide by encouraging each client to critically evaluate our
performance
Strive to honor God in all that we do
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

2. Hiring Mortgage for the right one. It is possible
nowadays since technology has
Brokers for Home provided the world with telephones
Loans and computers which make
communication way easier. All you
Everybody longs to have a secure have to do is call these agencies and
future. This means having a car, a once you got hold of their
home, and a job. Aiming for a bright recommendations, you can start by
future is wanted by many which they fixing the rate, the fees, and the
work hard for. Calling something as mode of payment. You can go on the
your own is pleasant to the ears and method of interrogation until you are
fulfilling that will pay off everything. satisfied with the answers. At this
You want everything to be settled to time, trust your instincts in that way
lessen the worries. And the concern you can tell if you found what you are
is always having a house to live in. actually looking for. Also, go for the
But what if you cannot afford a house one that can keep it confidential and
at the moment? You can always go hold your information with utmost
for a home loan and pay it every care.
month. And what if you have a bad
credit score and you cannot qualify If you finally found the right one,
for the loan? Then it’s time to hire make things legal and do not forget
Mortgage brokers to help you in your to have the agreement written on
current situation. papers and have it signed by both
parties. You just cannot trust the
A broker can actually help you save word of the mouth on this one. You’ll
time, money, and effort all in one never know what might happen next.
shot. You can really count on them Write everything on the agreement
since they can go on your behalf to like how much is the fee for the
meet with different people. In fact, broker and when he will get paid. You
they can help you find affordable can also put there that he will only
lenders. You can actually go search get paid if he found the right home
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

3. loan for you or depending on how To avoid serious financial dilemmas,
you want to make it appear. Just one should be knowledgeable about
write everything there that involves the policies and conditions whenever
money and provide a contract. In that they apply for a loan. As a money
way, you will feel more secure. borrower, you should know your
financial constraints and your
A guarantee that you will get what
capability to pay your debts. Being
you need and what you want is
responsible and meticulous are the
through asking a written report from
two essential keys to succeed in
the Mortgage broker. Through this,
managing a mortgage. It is easy to
you will know if there is progress on
borrow a certain amount of cash
the loan and to know if he is working
from the lender but it is difficult to
efficiently and he is not only after his
deal with payments every month.
gains or commission. Talking about
Owning a house and lot is really a
money is a sensitive issue but having
challenging task. Fortunately, you can
written reports does not mean you
opt for this handy and friendly option
do not trust the person; it is only
called “HARP Program” or commonly
because you are looking forward for
known as Home Affordable Refinance
the best results. It is only then that
Program.
you can finally get hold and own that
dream house of yours. You will discover helpful it is for the
citizens who have problems
concerning sufficient funds to
How Can A HARP support their home loans. It is
important for the clients to
Program Help People consistently pay their mortgage on-
Who Want To Own A time. One must need to make a plan
Home? regarding of getting a loan so that he
or she won’t encounter critical issues
Nowadays, many individuals struggle in the future. To avoid stressful
in paying their mortgages and debts. problems, then you should talk to an
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

4. expert accountant or lawyer so that best solution that lifts up the hopes
he or she will help you on how to of many to get hold of the house
avoid and solve problems whenever where they can happily reside at.
they occur.
All in all, consumers should know
Lenders won’t hesitate to repossess where to look for terrific options that
your house once you failed to pay it. will help them overcome their
Therefore, you must have a good monetary troubles. Anyone can
financial plan to overcome this indeed purchase loans today that
unwanted and frightening scenario. If have low interest rates.
you don’t want to lose your abode,
then you must ensure that you have
back up plans just in case economic Jumbo Loans - How to
obstacles occur. Don’t let wrong and
illogical decisions stop you from
Get the Best Deals
reaching your dream house. You
A sealed-tight credit market isn’t very
need to have a complete
welcoming to first time homebuyers,
comprehension about getting a loan
ensuring a financing deal with a
and a professional assistance from
veritable institution that would offer
someone whom you can trust.
greater security against an uncertain
By using the said program, you will economic climate has always been
certainly be confident in getting a under the mercy of either the market
loan after you plan to opt for a (whenever good times roll in) or kept
certain deal to own an abode. This under scrutiny by federal regulators,
program has a vision that gives many lest a full-blown depression makes a
benefits to the borrowers. Since the repeat. Needless to say, a mild
goal of it is to provide affordable ongoing recession such as the one
home offers, people today can easily we’re going through right now will
acquire the domicile they wished for more often than not affect those
a very long time. Moreover, it is the who’re not financially stable or well-
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

5. off the hardest. But recent reports conforming loans. The synonymous
from the mainstream media seem to link between the two is justifiable
weave a narrative detailing the enough, although make no mistake
difficulty of attaining a middle class that this unconventional type of loan
lifestyle as well. These headlines are often exhibit balances that are way
seemingly connected with the past its Fannie Mae or Freddie Mac
disastrous housing bubble burst that counterparts. On the other hand, San
occurred in the mid-2000s. Diego jumbo loans typically function
as an effective foil against
The ensuing uneasy alliance between
skyrocketing housing prices. You’ll
the remaining banking conglomerates
usually come across homebuyers
alongside the federal government led
arming themselves with secure San
to shadow banking intermediaries
Diego jumbo loans whenever they
being severed off in return for a
attempt to purchase homes located
couple of high-profile bailouts that
in regions with mounting housing
gained notoriety due to being fuelled
costs. You may not be subjected to
by taxes. Since then, the sensible
more stringent qualifying standards
banks that remained after the
but likewise need to be well-prepared
purging knew better than to
for venturing into nonconforming
indiscriminately hand out dubious
territory. Make certain that the
loans at the risk of going belly up and
likelihood of getting a default reduces
the number of loans which originally
to just about a third and this is a
intended to aid the poor who are in
cardinal rule that’s meant to be
most need of them immediately
followed whenever you request for
found themselves out of reliable, not
higher loan amounts. The good news
to mention affordable loans.
is the nerve-wracking notion of going
Luckily, jumbo loans, which aren’t belly up and being burdened with
particularly in sync with standard expensive jumbo loan denominations
guidelines, are still available but often can be countered with the help of
get labeled around as non- prepayment measures, acting in a
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

6. manner similar to the loans’ more
conventional cousins.
Finally, the best way to avail of
outstanding HARP Program will
ultimately lie on the trustworthiness
of your credit rating, bolstered by a
steady income stream that’s a bit
higher compared to the average
middle class family.
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055