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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 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
Jumbo Loans: Getting                          the cost. Houses are not something
                                              that can be acquired by people with
the Property That                             no job and money.
You Want
                                              There are many lending companies
                                              out there that are willing to provide
One of the reasons why many people
                                              fixed amount to wannabe owners.
cannot purchase their own dwelling
                                              However, what if the house that you
place is the lack of funds. They are
                                              want costs a lot? How can you come
forced to sleep in a cramped
                                              up with the right amount if you
apartment for years until they could
                                              cannot be granted with more than
come up with the amount needed to
                                              authorized sum? In this case, you
purchase a home. There are many
                                              need to get more money by making
financial firms in the country that are
                                              use of jumbo loans.
ready to provide help but they only
authorize fixed amount to the clients
                                              It’s a good thing that this program is
which is disheartening since a lot of
                                              now available in the country. People
houses are very expensive nowadays.
                                              can now purchase the property that
If you are in need of immediate cash,
                                              they want. They won’t have to worry
then getting jumbo loans could be
                                              about the cost of the house since
the best decision you’ll ever make.
                                              they can get the money that is
                                              needed to purchase the residence.
Purchasing a house nowadays is hard.
                                              Money will never become an issue
You need to set out to find different
                                              because of this program. What’s
owners selling their houses. Of
                                              great is that everyone can take
course, you’ll also need to check their
                                              advantage of this.
houses to see if they look and feel
comfortable. This will take weeks
                                              There are certain factors that you
since you will need to check every
                                              need to take into account first before
available area to get a good dwelling
                                              applying for this great financing
place. You need to remember that
                                              program. You need to have at least
you will be staying at the place you
                                              720 credit score. You can only acquire
pick with your family for the rest of
                                              this if you rarely miss out in paying
your lives so it’s only proper to find
                                              your monthly obligations like
the best one. The only issue now is
                              The Mortgage Planners
                        10636 Scripps Summit Court | Suite 130
                                San Diego, CA 92131
                                Phone: 619.312.0612
                                  Fax: 619.615.2055
electricity, water, credit card, and         people do, find below is a list of the
many others.                                 common things they do in their line
                                             of work:
Purchase loans now and see yourself
getting the house that you desire.                They promote different types
You and your family will surely love               of loan packages that may
what you’ve picked.                                catch the attention of possible
                                                   clients.
                                                  Since they advertise various
                                                   loan offers, it also the
                                                   responsibilities       of      the
Learn A Few Things                                 mortgage brokers to look for a
about Mortgage                                     plan that is going to be most
                                                   suitable to the needs and
Brokers                                            limitations of their clients.
                                                  Just     like    any     financing
Mortgage brokers are professional                  institutions, these individuals
men and women, whom anyone can                     also make it a point to first
ask for consultation if ever they are              check on the credit history of
planning to get a loan. Despite the                the person who is applying. By
fact that there is as of the moment, a             doing this, they are going to
lot of money lending institutions, we              have a basic idea on the
are still going to find a couple of                individual’s capability to pay on
individuals who are having second                  time.
thoughts in availing this monetary                They review the requirements
assistance. Their reasons may vary                 of the applicants’ and are at
from case to case, but probably one                the same time in charge in
of the most common causes of their                 completing their application
drawbacks is that they cannot decide               processes.
on what type of loan to avail.                    Apart from this, they are also
                                                   the individuals who are most
As mentioned a while ago, the best                 likely to further explain the
person to seek professional advices is             contents of their legal binding
going to be a broker. For those who                with the customer.
are still unfamiliar on what these
                             The Mortgage Planners
                       10636 Scripps Summit Court | Suite 130
                               San Diego, CA 92131
                               Phone: 619.312.0612
                                 Fax: 619.615.2055
 They are the ones who make
     sure that the deal was
     processed smoothly. At the              Mortgage Broker:
     same time, they also make sure
     that all fully transacted deals
                                             Making Home
     are closed.                             Acquisition Easier
Now that we are quite aware of what          Purchasing a house for the first time
they do as a living, we should now           could indeed send chills of
know the traits and characteristics          excitement down the spine. It’s one
these finance experts should hold:           of the best things in life that one will
                                             surely enjoy experiencing. Having the
    Since they line of work would           money to purchase your very own
       most of the time involve              property signifies prosperity. It also
       advertising loan packages,            signifies that you can stand up for
       these professionals must have         yourself and have the capability to
       excellent marketing skills in         raise a family. However, success can
       order to increase sales and           cloud a person’s judgment. Just
       profits.                              because you have the money to
    In addition to this, they must          purchase a house, doesn’t mean that
       also         possess      good        you could blindly pick one without
       communications skills, both           taking certain considerations. You
       verbal and in writing.                might be lucky in picking a good one
    They should also be meticulous          but there’s always a chance that you
       and organized die to the fact         won’t. In this regard, you need hire
       that their work basically             the expert services of a mortgage
       includes managing the money           broker. Here are some of the reasons
       of their clients.                     why:
A mortgage broker must also have an
ample knowledge with regards to              #1 - Help make an informed choice:
legal talks since they are the persons       There are things in life that are not
being asked by the clients about this        certain. You might find a house that
matter most of the time.                     you’ll really like because of its
                                             external beauty and decide to

                             The Mortgage Planners
                       10636 Scripps Summit Court | Suite 130
                               San Diego, CA 92131
                               Phone: 619.312.0612
                                 Fax: 619.615.2055
purchase it based solely on that but         The three reasons should be enough
little did you know that it has a weak       to make everyone realize the
foundation and could collapse                importance of hiring the services of
anytime. You need to approach the            mortgage brokers with regard to
house acquisition with caution to            addressing       home       acquisition
prevent getting into future accidents.       problems. They can make your house
This is the reason why you need the          purchasing endeavors much easier so
expert help of a broker to provide           be sure to find one in your area.
sound advice that you’ll surely need.

#2 - Get better deals: If you want to
get the best house, then you need to
find different ones that you like and
make certain comparisons based on
your preference and budget. This is a
task that could take a lot of time
planning and executing without the
help of a professional. You won’t
have to bother going from house –to-
house as the expert will do all of
these for you. He will also sort the
best and layout different choices that
suit your capability and wants.

#3 - Save time and money: Having an
existing job and things to worry about
at home could hinder your plans in
searching for a good house. Of
course, you want to go to your
apartment and rest after work. You
don’t want to spend too much time
on the road and keep burning car fuel
just to visit each dwelling place you
find.

                             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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San diego purchase loans

  • 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. Jumbo Loans: Getting the cost. Houses are not something that can be acquired by people with the Property That no job and money. You Want There are many lending companies out there that are willing to provide One of the reasons why many people fixed amount to wannabe owners. cannot purchase their own dwelling However, what if the house that you place is the lack of funds. They are want costs a lot? How can you come forced to sleep in a cramped up with the right amount if you apartment for years until they could cannot be granted with more than come up with the amount needed to authorized sum? In this case, you purchase a home. There are many need to get more money by making financial firms in the country that are use of jumbo loans. ready to provide help but they only authorize fixed amount to the clients It’s a good thing that this program is which is disheartening since a lot of now available in the country. People houses are very expensive nowadays. can now purchase the property that If you are in need of immediate cash, they want. They won’t have to worry then getting jumbo loans could be about the cost of the house since the best decision you’ll ever make. they can get the money that is needed to purchase the residence. Purchasing a house nowadays is hard. Money will never become an issue You need to set out to find different because of this program. What’s owners selling their houses. Of great is that everyone can take course, you’ll also need to check their advantage of this. houses to see if they look and feel comfortable. This will take weeks There are certain factors that you since you will need to check every need to take into account first before available area to get a good dwelling applying for this great financing place. You need to remember that program. You need to have at least you will be staying at the place you 720 credit score. You can only acquire pick with your family for the rest of this if you rarely miss out in paying your lives so it’s only proper to find your monthly obligations like the best one. The only issue now is The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  • 3. electricity, water, credit card, and people do, find below is a list of the many others. common things they do in their line of work: Purchase loans now and see yourself getting the house that you desire.  They promote different types You and your family will surely love of loan packages that may what you’ve picked. catch the attention of possible clients.  Since they advertise various loan offers, it also the responsibilities of the Learn A Few Things mortgage brokers to look for a about Mortgage plan that is going to be most suitable to the needs and Brokers limitations of their clients.  Just like any financing Mortgage brokers are professional institutions, these individuals men and women, whom anyone can also make it a point to first ask for consultation if ever they are check on the credit history of planning to get a loan. Despite the the person who is applying. By fact that there is as of the moment, a doing this, they are going to lot of money lending institutions, we have a basic idea on the are still going to find a couple of individual’s capability to pay on individuals who are having second time. thoughts in availing this monetary  They review the requirements assistance. Their reasons may vary of the applicants’ and are at from case to case, but probably one the same time in charge in of the most common causes of their completing their application drawbacks is that they cannot decide processes. on what type of loan to avail.  Apart from this, they are also the individuals who are most As mentioned a while ago, the best likely to further explain the person to seek professional advices is contents of their legal binding going to be a broker. For those who with the customer. are still unfamiliar on what these The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  • 4.  They are the ones who make sure that the deal was processed smoothly. At the Mortgage Broker: same time, they also make sure that all fully transacted deals Making Home are closed. Acquisition Easier Now that we are quite aware of what Purchasing a house for the first time they do as a living, we should now could indeed send chills of know the traits and characteristics excitement down the spine. It’s one these finance experts should hold: of the best things in life that one will surely enjoy experiencing. Having the  Since they line of work would money to purchase your very own most of the time involve property signifies prosperity. It also advertising loan packages, signifies that you can stand up for these professionals must have yourself and have the capability to excellent marketing skills in raise a family. However, success can order to increase sales and cloud a person’s judgment. Just profits. because you have the money to  In addition to this, they must purchase a house, doesn’t mean that also possess good you could blindly pick one without communications skills, both taking certain considerations. You verbal and in writing. might be lucky in picking a good one  They should also be meticulous but there’s always a chance that you and organized die to the fact won’t. In this regard, you need hire that their work basically the expert services of a mortgage includes managing the money broker. Here are some of the reasons of their clients. why: A mortgage broker must also have an ample knowledge with regards to #1 - Help make an informed choice: legal talks since they are the persons There are things in life that are not being asked by the clients about this certain. You might find a house that matter most of the time. you’ll really like because of its external beauty and decide to The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055
  • 5. purchase it based solely on that but The three reasons should be enough little did you know that it has a weak to make everyone realize the foundation and could collapse importance of hiring the services of anytime. You need to approach the mortgage brokers with regard to house acquisition with caution to addressing home acquisition prevent getting into future accidents. problems. They can make your house This is the reason why you need the purchasing endeavors much easier so expert help of a broker to provide be sure to find one in your area. sound advice that you’ll surely need. #2 - Get better deals: If you want to get the best house, then you need to find different ones that you like and make certain comparisons based on your preference and budget. This is a task that could take a lot of time planning and executing without the help of a professional. You won’t have to bother going from house –to- house as the expert will do all of these for you. He will also sort the best and layout different choices that suit your capability and wants. #3 - Save time and money: Having an existing job and things to worry about at home could hinder your plans in searching for a good house. Of course, you want to go to your apartment and rest after work. You don’t want to spend too much time on the road and keep burning car fuel just to visit each dwelling place you find. The Mortgage Planners 10636 Scripps Summit Court | Suite 130 San Diego, CA 92131 Phone: 619.312.0612 Fax: 619.615.2055