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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 …

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.

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  • 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. Get A Home Despite High Mortgage Rates Whether it happens to be a huge estate or a humble home, one thing is for certain, each and every single human being wants to have a roof above their heads. This becomes an increasing necessity when you have a family to support. However, with the current state of our economy, it has become difficult to find mortgage rates we can actually afford. It is no longer advisable to purchase properties using our hard-earned cash. You might wonder, “How can I acquire my house if this is not advisable?” Luckily, there are other alternatives that will enable you to attain this life goal. With the various financial institutions in your area, you can easily apply for a home loan. Doing so will make it possible for you to secure a house even if you have not paid for it in full yet. However, you cannot simply barge in their doors and demand to be granted a loan. As the applicant, you also have requirements to secure and meet. First of all, you need to take into account that you will be basically borrowing money and that you are going to be a risk for the financial institution. You need to see to it that they are going to make a wise investment when they grant your application. Guaranteeing them that you have a good credit rating is a good start. It will basically prove to them that you will be able to meet the requirements they have set for you on time. In the event that you have an unfavourable credit score, don’t think of it as the end of the world because you can still secure yourself a loan. There are various bad credit loans for you to choose from. It will just require your time and patience because you will need to do your research well in order to find out what will suit your needs the most. You can even try to lift your rating. This can be accomplished by paying off your previous debts. Once the lenders or banking institutions see The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  • 3. that you are capable of paying it off, they will be more likely to consider your application. With the numerous financial institutions for you to choose from, it won’t be difficult for you to find one that will be able to provide you with your needs. Just see to it that you thoroughly discuss matters with your financial advisor so that you will be able to make a wellinformed choice. Mortgage Rates: Get The Best Deals If you want to know about mortgage rates, then you have to make use of the internet. The web is vast and it’s full of useful information. You need to utilize the net if you wish to learn about the current quotes of different houses in the country. Using the web, you can determine whether or not you are cable of purchasing your own dwelling place. A lot of people are having second thoughts with regard to purchasing their own houses because of the possible cost. They fear that they won’t have enough money to acquire a dwelling place of their own. They are afraid of disappointing their partners and children. Knowing the current rates of the houses sold in different places around the country can help you get a home for a low price. If you use the internet, then you will surely be surprised with the vast options available. Save money Contrary to popular belief, purchasing a house is not expensive. There are many properties being sold online. You can find many great abodes being sold at a reasonable price. This is the reason why you need to take time in searching for the best abodes in the area. There will always be a better option so be sure to check as many sites as you can before doing anything else. Get help from the experts If you are new to this, then you might have to ask for assistance from the experts. It’s advisable to hire the services of professional mortgage brokers most especially if you are not The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  • 4. familiar with the application as well as the other processes involved. You might need to shed some cash if you wish to hire the help of these experts. Some might see this as a waste of money. However, hiring the experts can give you a lot of benefits. The advantages of using the professionals are: 1. Then can help sort through mortgage information 2. They can assist you with regard to getting better deals 3. They can help you save time and money 4. They can take all the worry from you 5. They can help you make an informed choice 6. They can help you get the mortgage that suits your needs 7. They work for you 8. You only have to fill up the application Hiring the services of a mortgage broker is the best thing that you can do if you are planning to purchase an abode for a low price. These experts can help you get what you want and need. They will also help you pick options that you can afford to avoid wasting time on things that doesn’t matter. Why You Should Make Use of a Mortgage Broker's Services? Those who have experienced buying a home will agree that it is never an easy task to deal with. First-time buyers will not only have a hard time but it is possible that they will find the whole affair to be quite intimidating. How much more when it comes to dealing with the matter of mortgages? It should be safe to say that things will definitely get a lot more complicated when mortgages are involved. That is why it is considered to be a good idea to hire a professional when it comes to dealing with the matter of mortgages. But which sort of professional can lend a helping hand for you? Read on and you will find out about the benefits of hiring mortgage brokers. The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  • 5. What is a mortgage broker anyway? Well, a mortgage broker is a professional who has received the proper licenses and certification and has spent years of studying and training in order to be a specialist in mortgage. Mortgage brokers are regulated by a specific government agency and they have a set of strict guidelines to which they must adhere at all cost. Such guidelines encompass various aspects of their job such as the information that they are allowed to provide and other sorts of ethical decisions. Mortgage brokers may work under a firm but it is quite common for them to work independently. Because of this, potential home buyers are treated to the advantages of an unbiased service. If you want to ensure that you are getting the right mortgage rates, hiring mortgage brokers is a must. more access and connections to a good deal of lending facilities. And because of this reason, a mortgage broker will be able to shop for the best rates and closing costs and in addition to that, he should be able to lock you in when the rates is at its most favorable. It is understandable for one to have a hard time with the terminologies when it comes to financial loans. But with a mortgage broker around, these terminologies should not be a concern because he can help you understand them. One of the best ways to look for a good mortgage broker is through referrals from your relatives or friends. So it advisable that you ask someone that you know and find out if he or she can recommend a mortgage broker whom you can hire. One of the best advantages of hiring a mortgage broker is the fact that they have a wide range of access and contacts with regards to the industry. In comparison with directly going to the bank, a mortgage broker has The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055