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. 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