http://www.sandiegomortgagenews.net/ 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. Mortgage Brokers: since you’ll have more space to
create a bonding time that will surely
Helping You Make an last. You might want your house to
Informed Choice have a pool, backyard, pond, garden,
and many others. If so, you won’t
have to travel for many miles just to
Purchasing a house could provide
find the right one as your personal
great joy not only to yourself but also
broker can do all these for your
to the family who’s going to live with
convenience.
you. The thought of not having to
sleep in an apartment is the best
most especially since you won’t have
Here are some of the reasons why
to stay in a cramped place with your
hiring these professionals can do you
wife, sons, and daughters. You have
good.
the money and the only thing to do
now is to look for the best place to
 They will sort your mortgage
settle for good. However, you are not
information to help you save
familiar with how the house
time.
acquisition works. You are scared
that you might fall prey to the sweet  You will be able to make an
talk of some home owners and sell informed choice.
their house for more than the  You will get better deals with
supposed price. If this is the case, the help of these experts.
then don’t fret, there are many  You won’t have to worry about
mortgage brokers out there who anything other than the money
could do all the paperwork’s for you. for the house you plan to
He will also find the best place that is purchase.
fit not only for your budget but liking  You are the boss.
as well.  Help you save time from filling
multiple applications.
A house is only a good place to stay in
if you are sharing it with people you You won’t have to travel for many
care about. The thought of having an miles and spend days and nights
open space for various activities with looking for the best place to settle
your family is simply the greatest with your family. Finding a good
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

3. dwelling place is crucial as you will companies nowadays and almost
most likely be spending the rest of everything has the word “alluring”
your life there. Great effort is written all over it. However, there are
required in order to acquire the some that are not what they say they
perfect dwelling place. The best news are. If you have an untrained eye,
however, is that you can find a better then it will be impossible for you to
place and make an informed decision detect any anomalies. This is where
if you hire a mortgage broker whom these professionals come in. Hiring
can help find a house that fits your these people ensures that you get the
budget and needs. one that suits you best. You won’t
have to worry about a thing as they
will do all the necessary research to
pick the one that can please you.
Benefits of Hiring a #2: Time and Money Saving
Mortgage Broker You won’t just save time, but also
money if you decide to ask help from
these professionals. When you hire
There are a variety of reasons why it
these experts, they will all do the
is essential for a person to hire the
work thus saving you a lot of time.
services of a mortgage broker. A lot
Another thing that makes this great is
of people are getting into financial
that you won’t have to travel back-
troubles because of the economic
and-forth just to find the most
crisis that the country is suffering
suitable company, thus saving you
today. This is the reason why most
money from gas.
people wants to ensure that every
money transaction is sure, reliable,
#3: They work for “YOU”
and above all, inexpensive. The
When you hire these people’s
following are the reasons why hiring
services, they will work for you
people who are adept in providing
instead of working for the company.
mortgage services are essential:
They will be on your side, thus
ensuring you of getting the best deals
#1: No Worries
available. When you negotiate with
You will find that there are different
the professional on your own, you
programs offered by different
will notice that these companies
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

4. don’t have your best interest in mind.
However, you can be rest assured
that the expert you hire has your
back and will make sure that you If you struggle in refinancing your
make the best decision and get the mortgage, then you probably need an
most ideal deals. expert’s advice to have a good option
that will work effectively throughout
#4: You Get What You Want the process. Based on the latest
These people make sure that you get reports, many homeowners failed in
the one that you truly need and not
managing home acquisition. In order
just to settle with the ones that are
available even when the program to succeed in getting hold of an
doesn’t suit you. They make proper abode, one should learn how to
research regarding the companies select a certain option. Having the
that offers what you want and gather right comprehension means that you
data about them. He will then know how to make right decisions. It
present you these data and state the
doesn’t matter whatever motives you
pros and cons of opting for each one.
have, as long as you know where to
You can then narrow down your
choices and make the right decision. seek beneficial programs such as
Home Affordable Refinance Program
Purchase loans the right way. You or known as HARP Refinance, you
can do this by opting for the services will surely get what you plan to have.
of people who are known to be
experts in this field. Get sound There are government programs that
advice, save time and money, and get help regular citizens to finally acquire
what you want by asking help from a house wherein they will live for a
the professionals. lifetime. These programs provide
services that have the same vision –
to help home owners who cannot
HARP Refinance -
afford to get low mortgage rates so
Helping You to Get that they can be qualified to
the Best Deal Done financially support their mortgage.
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055

5. This gives a fantastic opportunity for  Adjustments will be made with
the people who want to possess a regards to credit scores,
residential property. property type, terms, and more
 Clients will certainly get
Fortunately, there are also programs
affordable home loan rates
offered by private companies
 Clients will be guided by a loan
wherein they allow the citizens to
representative working under
apply for a house loan in order for
this said program
them to easily reach their dream - to
own a home. It is easy to apply for a Today, you can find various offers
loan and get qualified but what’s wherein there is no mortgage
difficult is how to carry out your insurance policy needed but you have
obligation regarding abode funding. to make proper assessments about it
So whenever you are in this kind of before you jump on that kind of
situation, you need to depend on a service. It is necessary to show your
useful program like HARP financing proof of income when you apply for a
option. It is a reliable option that loan so that the servicer who assists
especially designed to help home you will determine if you are
owners manage their mortgage qualified or not.
concerns in a very effective manner.
To help you understand more about
this HARP program, here are the cool
features of it:
 It has the ability to reduce the
closing costs
 It generally provides an
assurance to every proprietor
who uses it
 It doesn’t require high values
The Mortgage Planners
10636 Scripps Summit Court | Suite 130
San Diego, CA 92131
Phone: 619.312.0612
Fax: 619.615.2055