“A High Powered Mortgage Company With A Hometown Feel” Office www.themortgageplanner.com704-728-0191 Direct Lender - In-House Processing In-House Underwriting means faster loan approvals and higher pull through. Communication We communicate throughout the loan process, explaining it clearly, while educating you on the product choices that fit your individual needs. Experience & Integrity Over 100 years of combined residential lending experience, Element Home Loans will seamlessly guide you through the home buying process. Customer Service We are committed to providing excellent customer service that you deserve. About Us
About Brad Brad Roche has been a Mortgage Planner for 30 years and continues to rank nationally for his sales volume. He had the privilege of being a National Sales Trainer for 16 years, a Direct Endorsed Underwriter for HUD 10 years and a Licensed Real Estate Agent for 11 years. He has several certifications in Leadership Training and was awarded a Master Graduate in 2000. In addition, he has been lead developer on multi-million dollar projects, in commercial & residential. Recently, Brad has been approved as a certified class instructor with Central Piedmont Community College. They are the largest community college in the U.S. In addition, he is also a best selling author 3 times over sharing his mortgage, coaching and investment property knowledge in his books which are available on Amazon. He has been in many articles and press releases for mortgage related topics as shown below and noted as an expert in his field.
Brad Roche The Mortgage Planner NMLS# 135191
Angela Roche Operations About Angela Angela Roche is Brad’s wife first and mortgage partner second in the business for over 28 years. She has covered all aspects of the lending business including processing, underwriting, the closing role as well as ownership in various ventures. A big majority of her knowledge was from the underwriting side where she was DE HUD approved for over 10 years. She now assists our clients day-to-day working through the loan process and is licensed in NC, SC, TN and FL to help with clients second homes and investment opportunities. Angela has several certifications in Leadership Training and was awarded a master graduate in 2000. In addition, she has managed and owned over 100 single family homes, not including several commercial buildings. Her vast knowledge helps our team with perfection to the lending process for our clients.
Jacob Roche Mortgage Planner Partner
Brad has been involved in competitive sports, athletic competitions and gaining an edge through hard work and coached tactics to excel. He graduated from UNCW in 2021, after completing, at a young age of 14, Rapport Leadership Training International one of the highest level leadership trainings in the US. He has a passion for getting the best of out people and exceeding expectations they set. He has competed and received awards in Power Lifting and Crossfit competitions personally, but most enjoyable Brad has served many one on one clients in personal fitness training with accountability. He has joined The Mortgage Planner Coaching team and heads the new member sales team as well as sales/ marketing management, member experience, and more.
Jacob, has recently come true as he joined the team in June 2021. Jacob graduated from the University of North Carolina - Wilmington within three years as the class of ‘21. While at UNCW, Jacob studied Business with a concentration in Finance. Jacob attended a leadership training development course called Rapport Leadership International to better his leadership and communication skills. In the summer of 2019, Jacob took the 79-hour pre-licensing course to further his knowledge in the real estate aspect. Jacob’s main responsibilities involve partnership relations, managing outbound leads, and help clients start the mortgage process. When Jacob isn’t in the office, you can find him playing basketball, on the golf course, or with friends and family! He enjoys watching most sports with his favorite being the Charlotte Hornets and Carolina Panthers.
Brad Roche II, Brad’s son, has been around the mortgage business all his life! The Roche family has been in the mortgage business for now three generations.
Bradley Roche II Consulting Manager
Meet our Team
The Mortgage Planner has been a staple in the lending community on how to process and deliver a great experience for clients and partners. Through Brad’s training and coaching over the years, he now manages and works with his son Brad Roche II day-to-day in servicing and coaching some of the highest level producers in loan originations on a consulting basis by helping them systemize and perfect the lending process to gain more market share in there community.
Mortgage Planner Consulting
January25,2021
The communication was absolutely stellar at all times through out the process AND the portal was super easy and user friendly! Maxine A. January14,2021 We had such an easy refinance with Element Home Loans! Brad and his team were amazing through everything and the process was super smooth. I let our realtor know to use them in the future when they need a mortgage company. Ryan B. January10,2021 Best experience we have had! Hands down! Kasey W.
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Recent Client Reviews
The mortgage process can be complex and often surprising when things are reviewed or inspected. This can add layers-and you want someone in your corner to handle it. While we strive for perfection with our product selection for each client, the process and our advice, we also grow each survey so we can perform better from our experiences at the highest level for our clients. Brad Roche Scan AdditionalforReviews
Every step needed was made clear along the way. The entire team was very helpful during the process to assist in educating me while purchasing my first home. Alex M. January19,2021
LOAN DETAILS: Just Missed (No More!) • Loan amounts to $2MM • 620 Min FICO • Fixed and adjustable-rate mortgages Interest-only options available • Debt-to-income (DTI) up to 55% with compensating factors • Traditional income documentation • All occupancy types (primary residence, second home or investment property) • Assets may be used to supplement income • Non-warrantable Condos may be considered • 2 years removed for any major credit event The Just Missed product is a great solution for borrowers who may otherwise “just miss” qualifying using a traditional mortgage loan due to unpredictable income or recent credit challenges. With this product borrowers can use assets and income to supplement typical qualifying income requirements . Mortgage Solutions for the Non-Traditional Borrower Reach out to find out how our mortgage solutions can help the non-traditional borrower!
Moving Checklist MOVING DAY START TIME Book truck and/or movers Arrange child care for day of Arrangemove pet care for day of move PACKINGPurchase and/or collect boxes Get bubble wrap, newspaper/ tissue and packing tape Print labels for boxes or have a thick black marker on hand Collect giveaway items to donate Purge unneeded items StanleyKeys HOUSEHOLDPERSONALKnifeITEMSDailymedicationsToiletriesFirstaidkitBabyneedsPetneedsChangeofclothesPhonechargersRadioToiletPaperSoap(dish,laundry, etc.) Cleaning kit Bed PillowsTowelslinen REGISTRATIONCONTACTLawyerAccountantBrokerHairStylistDryCleanerHouseofWorship Driver’s license Vehicle CLUBSLoyaltyOrganMedicareElectoralregistrationrolldonationregisterprogram Health & fitness County MISCELLANEOUSClubCleaningarrangementsChangelocksonnewhomeScheduleneededmaintenanceSaveallmovingreceipts Meal plan for first few days CHANGE ADDRESS Post office BankingFriendsLibraryVeteransGovernmentAdministrationandFamily(ordernewcheck book) AND/ORSERVICESnewspaperSubscriptionsCreditCellPlaceSchoolDentalDoctorInsuranceofEmploymentphoneCard(magazine,etc.)TODISCONNECTTRANSFERCableInternetPhoneElectricAlarmGasWaterSewerTrash&Recycling
ADVANCEMENTCAREER Heed this unpleasant MONEY ADVICE Make it SAFER to stop work the beauty Confidencewithin
the ELEMENT 2021 QUARTERLY EDITIONin Mortgage Lending INSIDE THIS ISSUE: HEALTH in the NEWS Avoid injury as you age KEEPCONFIDENCE high throughout your life Stay healthy with fiber Find your value Don’t let anxiety spoil your zoom presence New to the area or a native, you will enjoy all Passport to the Carolinas provides. We have compiled the hottest spots in the area to visit with helpful links and savings all in one Passport for our clients! We partner with many local businesses to provide exclusive savings and experience for our clients before, during and after closing that is like no other lender. It delivers World Class in a new way! From exclusive Private Chef parties that offers up to 15 of your friends and family members to visit your new home in style, sporting event ticket pack after closing, courtesy lawn care when you move, coupons and more for savings on dining out, entertainment and services for the home!
MORTGAGE
PASSPORT TO THE CAROLINAS LENDING AT ITS FINEST
the ELEMENT 2021 QUARTERLY EDITION in Mortgage Lending INSIDE THIS ISSUE: HEALTH in the NEWS Time to get that long-delayed checkup?
TEAMCHARLOTTEEXPANDS!HEALTH in the NEWS Ward off Alzheimer’s Joe Carney, Joshua Martin,Matt Pawlowski
Be prepared toSACRIFICE for SUCCESS the ELEMENT 2021 QUARTERLY EDITION in Mortgage Lending WORKING from HOME Home REPAIRS INSIDE THIS ISSUE:
In the News On the Radio BRAD ROCHE HARNESS THE HURRICANE WITHIN This book takes you through becoming the best at what you do and the lessons learned by Robert J. Roche and Brad Roche through a combined 50 years of real estate, mortgages and developments. THE ESSENTIAL GUIDE TO CHARLOTTE REAL ESTATE This book features many of the top producing Realtors with Brad Roche, Charlotte Leader in Home Lending. It includes tips on purchasing, investing and the market as a whole. MORTGAGE STORM This book was created with the mortgage industries top producers and market leaders. Brad worked with many to produce chapters on the mortgage business for loan originators, home buyers, investors and more. They share how to master your craft in the lending world. THE PLAN Hosted by Brad Roche airs weekly Sundays 10am MORTGAGE PLANNER WEEKLY Hosted by Brad Roche airs weekly Sundays 11am Best Selling Author www.4thePlan.com
MORTGAGE PLANNER MONTHLY Locker CoachingRoomSeries EXPLODES! DURING PROCESS EXPANDS BUSINESS MODEL Exceeding Expectations Results in 34% VOLUMEMONTHLYINCREASE QUICK & SIMPLE Getting the most out of the day HOW YOU MATTERSASK 3RD GENERATION TAKES HOLD!
• Real Time Market Rates • Saves Address & Payments • CO-BRANDING OPTION • Scanner to Send Docs • Market News • Direct Links Real Time Smart Phone App
Take control with smart decisions Track your home wealth Take control, keep an eye on your home value, loans, equity, market trends & more. Save more money See the power of extra principal payments or refinancing at the right time. Build wealth faster Know exactly when to buy, sell, rent, or remodel to maximize your investment.
Brad
Home Mortgages
©2022 NFM, Inc. dba Element Home Loans. ®Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites. NFM NMLS# 2893 NMLS #135191
A Touch Above The Rest. Roche NMLS# 135191 400 North Harbor Place, Suites H-G Davidson, NC 28036 Cell TheMortgagePlanner.NetOffice704-797-1365704-728-0191
