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The Mortgage Planners - San Diego Mortgage Brokers

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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.

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The Mortgage Planners - San Diego Mortgage Brokers

  1. 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. 2. Tips on How to Land the Best Mortgage Deal Be honest When you are shopping for a home loan, keep in mind that your mortgage broker is in your side to help you get the best one that will suit your needs. However, for him to be able to fulfill his duties, you need to be realistic and honest about your budget. You also need to share with him all your concerns and your future plans. This can greatly help you and your broker find you the best rate and minimize the problems that could possibly arise if you haven’t opened up to him. Don’t be afraid to ask People are usually afraid to ask questions when they are in new situations and they expect themselves to understand everything later on. However, you need to keep in mind that mortgage is a specialized field that need to be studied. This means that nobody expects you to very knowledgeable in this area. If some terms or jargons are used or you’re in doubt about something, don’t hesitate to ask your broker. He is in a position that can address all of your questions. Don’t focus on the rate alone It is understandable that you and your broker aim to get the best rate for your mortgage; however, you need to keep in mind that there are a lot of other concerns than just the rate. Ensure that you have read all the terms and condition on your loan before you sign it. You have to know the ins and outs of the conditions and make sure that you agree to everything that is stipulated in the agreement. Never accept conditions that you are uncomfortable accepting or can’t understand just because of the excitement you feel of owning a new house. Make sure to take your time to read and understand everything before agreeing with it. Look for multiple sources Before signing any mortgage agreement, you should be well aware The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  3. 3. of what the market can offer you. Do some research first and find out what other sources are currently offering. This will help you negotiate for a better deal and you can accept or turn down other offers right away. Ask for freebies Most of the time, you won’t get any nice perks such as waiving of appraisal fees and legal fees if you don’t ask. Most mortgage specialists will be very glad to help you with these and offer other freebies just to get your business. Know where you stand If you know that you have a bad credit history or you can’t provide adequate down payment, then you have to manage your expectations. Don’t expect that these lenders can give you the best rate. You need to know where you stand with your current credit ratings and be realistic. Click here for assistance from the best mortgage brokers. The Benefits of Hiring a Mortgage Broker For those who want to purchase a home but don’t have enough funds to finance for it, they will have to consider getting a loan. This can be a complex process, but it will be easier if you will be working with a mortgage broker. What is a mortgage broker? Mortgage brokers are independent professionals who are experts when it comes to loans. They do not work with any specific lender, which makes it easy for them to shop around for the best loan rates available. If you will be dealing with them, you will have plenty of options that will be beneficial in your search for the right home. How to find the right one? Only a reliable broker can help you find a good loan for your new home. There are many of them but finding the most competent one can be The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  4. 4. tough to do. You have to do your research or you can ask around on who your friends, relatives and colleagues can recommend to you. The web can also provide you with a list of available brokers in your area. Search for their own websites to give you an idea on how they work. What can he do for you? Your chosen agent must have the right connection so he can get the best deal. With the wide array of lenders to choose from, it will be easy for them to find the ideal rates that will go well with your preference and budget. Keep in mind, the more lending firms they know, you will have more chances of getting what you need. Your broker’s job is not only limited to finding the right lender. They will also act as your financial advisor. They will present to you your current financial situation, and based on that, they will offer their suggestions on what financing option you should choose. They will also hand you a rundown about the different loans, interest rates, and modes of payments of various lending institutions. Your job is to evaluate each of those different loans, benefits, and disadvantages. It is the responsibility of the broker to check on your documents that will be presented to the lender. They will be the one who will deal with them. They will also handle any problems and queries that will arise. They will see to it that their client will not have to worry about anything. It is their job to assist you all throughout the process. Communication is important between the mortgage broker and its client. Brokers must give their mobile phone numbers to their clients so that they can contact them anytime. There are instances when they get too anxious about the process and they want to ask questions about the things that worry them. If they have their agent’s number, it will be easy to get in touch with them. Click here for professional assistance. The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  5. 5. Get to Know the Several Types of Mortgage Brokers Purchasing a house is one of the most complicated and stressful things to take on in one’s life. So if you want to make things a little easier, you need to seek the aid of a reputable mortgage broker. These experts are very well versed in all matters regarding getting a home loan. They are the right persons to guide you through the entire process of looking and choosing for the right home loan that will be beneficial for your requirements and will fit your budget. Whether you are a first time buyer or trying to remortgage your home, an experienced and reputable mortgage broker can make the whole process easier for you. The main role of mortgage agents is to take care and guide homebuyers to get the right deal. They will assist you on how to get the best interest rates, incentives, and overall deal and package. They are the one whom you can rely on to give you an expert assistance on your financial standing and give you suggestions on the most attractive deals available in the current market. Several types of brokers: When you are in search of the services of brokers, you will encounter different types that offer different packages and deals. This includes: Specific lenders These types of brokers will typically recommend deals from a certain bank or financial institution that they are tied or employed to. They usually receive commission fees depending on the type of deal they are able to arrange with the homebuyer. Group of lenders If you want to have a wider appreciation of the choices available in the mortgage market, you might want to hire these types of brokers. They can give you a presentation of options that is significantly broader than that given by the specific lenders. The group of lenders that The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  6. 6. they recommend may differ in number so you may want to take a look at each firm when you meet your agent. Independent If you want to get the broadest indication of the choices available in the market today, you might want to seek the advice of an independent broker. This type of broker has his freedom to recommend and refer you to any bank or lending institutions in your area. Since this broker is not tied to any specific company, there is a higher chance that he will give genuinely impartial advices. As a homebuyer, it is important that you talk to multiple mortgage brokers so you would have an idea of the deals that they have to offer. Make sure that you hire reputable professionals because you will provide them with all your very personal and important information that they can use to quicken and make the whole process easier. Visit this website for more information. The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055

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