Homebuyer Journey Guide
Financial Preparation
Essentialtoolstohelpyouprepare financially,improveyourcreditscore, andmaximizeyourpurchasingpower
Homebuyer Savings
Exploretopoflineofresources,from Homebot valuereportstoMLSintegrationtips,streamlining your home-buying journey
AvoidPitfalls
Aguidetonavigatingthe mortgageprocesswithconfidence,ensuring youknow whattoexpectateverystep
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MEET THE TEAM
Brad Roche NMLS 135191
Brad has been The Mortgage Planner for over 30 years and continues to rank nationally for his teams sales volume He had the privilege of being a National Sales Trainer for 10 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 the 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 the 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
Jacob Roche NMLS 2223194
Jacob, has always had his part in the family business at a young age He officially joined the team in June 2021 He 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 prelicensing 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
Angela Roche NMLS 2243530
Angela is Brad’s wife first and mortgage partner second in the business for over 30 years She has covered all aspects of the lending business including processing, underwriting and 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 owed 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
Bradley Roche
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 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 expecations 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
Joe Hudson NMLS 2335373
Joe has been a Charlotte, North Carolina native for the past 12 years! After spending four years in Wilmington, NC to get his degree in Business Finance from the University of North CarolinaWilmington, he returned to Charlotte to work with the Element Home Loan family During his time at UNCW, he was an active member of the Greek Life community, where he was recruitment chairman and vice president of his fraternity chapter He has been to multiple conventions where he improved his leadership and professional skills When Joe is not at work, he likes to spend his free time going to the gym, watching the Charlotte Hornets, and rooting on the University of Arizona Wildcats!
Sarah Roche
Sarah Roche, is our client concierge at Element Home Loans She is fresh to the city of Charlotte relocating from the Georgia area She grew up just south of Atlanta in a small suburb called Peachtree City Sarah lived in Milledgeville, GA throughout her college career where she attended Georgia College and State University When the opportunity arose for Sarah to move to Charlotte and work in the mortgage industry, she was eager to be a part of the team! With a passion for serving others and an eagerness to become a part of the fast-paced lending world, Sarah joined the Element Home Loans family and has never looked back Outside of the office, Sarah enjoys cooking, staying active, and spending time with friends and family
3 GENERATIONS
The Mortgage Planner is a distinguished family-owned business with a rich legacy spanning three generations in the mortgage industry. Founded by Brad Roche, who brings over 30 years of experience, the company has consistently ranked nationally for its team’s sales volume. Brad’s extensive background includes roles as a National Sales Trainer for 10 years, a Direct Endorsed Underwriter for HUD for 10 years, and a Licensed Real Estate Agent for 11 years.
Joining him is his son, Jacob Roche, who officially became part of the team in June 2021. Jacob graduated from the University of North Carolina - Wilmington with a concentration in Finance and has been involved in the family business from a young age. His responsibilities include partnership relations and managing outbound leads, contributing to the company’s commitment to providing clients with the highest level of service, experience, and expertise.
Angela Roche, Brad’s wife, has been a partner in the business for over 30 years. Her comprehensive experience encompasses processing, underwriting, and closing roles, as well as ownership in various ventures. Angela’s deep knowledge, particularly from her underwriting background where she was DE HUD approved for over 10 years, ensures meticulous attention to detail in assisting clients through the loan process.
This multi-generational collaboration combines decades of industry expertise, a commitment to personalized client service, and a deep understanding of the mortgage landscape, making The Mortgage Planner a trusted partner for clients seeking tailored mortgage solutions.
THE JOURNEY
As a trusted lender, I've had the privilege of guiding individuals and families through various stages of life, each with its own financial considerations in their real estate journey. That's why I’ve created a comprehensive guide, specifically designed to assist people in six distinct financial stages.
You might be wondering why I'm sharing this with you. Here’s the deal—you may be in, or approaching, one of these financial stages, or you might know someone who is. Even if you’re not currently in the market, your financial insights and connections could be invaluable to those you care about. That’s why I invite you to explore this handout titled *"The Mortgage Planner Journey: Your Guide to Success."* Whether you’re considering a financial move, know someone who is, or simply want to stay informed about the real estate landscape, this guide outlines where we may be able to assist.
RELOCATION
Relocating to a new home is an exciting journey, and The Mortgage Planner is here to make it seamless. Serving clients in North Carolina, South Carolina, Florida, and Tennessee, we combine three generations of expertise with personalized support to help you every step of the way.
Relocation Perks Just for You
• Passport to The Carolinas: Discover top attractions, exclusive discounts, and local insights.
• Sporting Event Ticket Pack: Enjoy a local game on us as a welcome gift.
• Homeowner Savings Portal: Access $7,000+ in discounts for dining, entertainment, and home services.
• Local Favorites Guide: Explore our curated dining and activity recommendations with included gift cards.
Why Choose Us?
• Multi-State Expertise: Licensed in NC, SC, FL, and TN, we understand the unique opportunities in each state.
• Generations of Excellence: A legacy of industry knowledge tailored to your needs.
• Community-Focused: Helping you feel at home beyond the process.
Episode One
Introduction
In this segment, we explore the crucial considerations when choosing the right loan. The discussion emphasizes that the ideal loan should align with your individual financial circumstances, essentially "choosing you " Key factors such as down payment, preferred monthly payments, and financial ratios play a significant role in determining the best loan option With various opinions on loan terms and a wide range of products available, especially for those with good credit or minimal down payments, it's essential to evaluate and compare these options By examining the long-term impact over 5, 10, or even 15 years, you can make a more informed decision. For further guidance and personalized assistance, The Mortgage Planner team is ready to help
Quiz Questions
1. What is your preferred monthly payment range for a loan?
2 How much are you planning to put down as a down payment?
3 Have you considered the impact of different loan terms (15- 30-year)?
4. What is your current debt-to-income ratio?
5 How important is having a low-interest rate to you?
6 Are you aware of the different loan products available for your credit score range?
7. Have you compared the long-term costs of different loan options?
8 What are your financial goals for the next 5 to 10 years?
9 Do you have any concerns about the loan process or terms?
10. Would you like assistance in evaluating and comparing loan options?
Episode Two
Introduction
In this segment, we delve into the vital aspects of selecting the right loan, highlighting the importance of aligning the loan with your unique financial situation. The conversation underscores that the ideal loan should "choose you," based on factors like down payment, desired monthly payments, and financial ratios. With a myriad of opinions on loan terms and a diverse array of products available, particularly for those with strong credit or lower down payments, it becomes crucial to assess and compare these options By considering the long-term effects over periods of 5, 10, or even 15 years, you can make a well-informed decision. The Mortgage Planner team is available to provide tailored guidance and support throughout this process.
Quiz Questions
1. What is your preferred monthly payment range for a loan?
2 How much are you planning to put down as a down payment?
3. Have you considered the impact of different loan terms (e.g., 15-year vs. 30-year)?
4. What is your current debt-to-income ratio?
5 How important is having a low-interest rate to you?
6. Are you aware of the different loan products for your credit score range?
7. Have you compared the long-term costs of different loan options?
8 What are your financial goals for the next 5 to 10 years?
9. Do you have any concerns about the loan process or terms?
10. Would you like assistance in evaluating and comparing loan options?
Episode Three
Introduction:
In Episode Three, listeners are guided through the intricacies of the mortgage process The episode revisits key concepts from previous episodes, focusing on credit, debt ratios, cash to close, and choosing a loan It emphasizes the importance of being organized, the differences between pre-qualification and pre-approval, and the steps to secure the best mortgage terms. Brad and Jacob Roche discuss the significance of having financial documents prepared and the benefits of pre-approval in strengthening a buyer's position The episode also delves into the mortgage process, highlighting milestones such as setup, processing, and underwriting The hosts stress the importance of understanding market-driven factors when negotiating an offer and the advantages of seller-paid closing costs. They also explore innovative financing options like the 2-1 buy-down Throughout the episode, the importance of being informed and prepared is underscored, with an emphasis on leveraging available tools and resources to secure favorable mortgage terms
Quiz Questions
1 What are the key differences between pre-qualification and pre-approval?
2. Why is it important to have your financial documents organized before applying for a mortgage?
3 How can being pre-approved strengthen your position as a buyer?
4. What are some of the milestones in the process discussed in the episode?
5 How does the market influence the negotiation of an offer to purchase?
6 What are seller-paid closing costs, and how can they benefit buyers?
7. Can you explain the concept of a buy-down and its potential advantages?
8 Why is it crucial to understand the terms and conditions of your mortgage agreement?
9 How can leveraging tools and resources help you secure better mortgage terms?
10. What steps can you take to ensure a smooth and efficient mortgage process?
Episode Four
Introduction
In Episode Four, listeners explore advanced strategies for managing and controlling their mortgages The episode revisits key topics from earlier episodes, including credit, debt ratios, and choosing a loan, while introducing new concepts such as refinancing, second mortgages, and personal budgeting. The hosts emphasize the importance of understanding the breakeven point when refinancing and the potential benefits of cash-out refinancing for leveraging home equity They discuss the concept of recasting a mortgage and how prepaying monthly can significantly reduce the loan term and interest paid over time The episode also delves into personal budgeting, highlighting the necessity of prioritizing expenses and living off last month's income to achieve financial stability Additionally, the hosts provide insights into when and how to move up in the housing market, considering factors like tax benefits, rental income, and leveraging home equity lines of credit Throughout the episode, the focus is on making informed financial decisions and utilizing available resources to optimize mortgage management and personal finances
Quiz Questions
1 What is the breakeven point in refinancing, why is it important to understand?
2 How can a cash-out refinance be beneficial, and what factors should be considered before doing one?
3 Can you explain the concept of recasting a mortgage and its advantages?
are some ways prepaying monthly can impact your mortgage?
Why is it important to have a personal budget, and how can it contribute to financial stability?
What are the key components of a personal budget as discussed? 7 How can living off last month's income help in managing your finances effectively? 8. What factors should you consider when deciding to move up in the housing market? 9 How can leveraging a home equity line of credit assist in moving up or investing in real estate? 10 What are the potential benefits and drawbacks of renting out your current home when moving to a new one?
Episode Five
Introduction
In Episode Five, listeners are taken on a journey through the highs and lows of real estate investments. The episode highlights Brad's experiences with various real estate ventures, including fix-and-flips, new construction, land development, and commercial properties The discussion kicks off with insights into fix-and-flips, emphasizing the importance of finding properties with strong foundational integrity and using home equity lines of credit (HELOCs) to finance renovations Brad shares his experiences with new construction, detailing the process of buying land, partnering with investors, and leveraging LLCs for financial structuring The episode also explores the benefits of owning second homes and commercial properties, highlighting the potential for appreciation and rental income. Brad candidly discusses some of his worst deals, including a problematic car wash and a struggling golf course, underscoring the importance of staying within one's expertise and negotiating favorable terms. Throughout the episode, listeners are encouraged to learn from Brad's experiences, consider creative financing options, and approach real estate investments with a strategic mindset.
. Quiz Questions
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Episode Six
Introduction
In Episode Six, the focus is on understanding the intricacies of various real estate investment strategies, including primary residences, second homes, and investment properties. The episode delves into the differences in down payments, interest rates, and financing options for each type of property. Brad and Jacob discuss the benefits and drawbacks of zero-down payment programs, emphasizing the importance of understanding the costs and terms associated with different loan types. They also explore the concept of house hacking, where homeowners rent out rooms to offset mortgage costs, and the advantages of using LLCs for real estate investments The episode highlights the potential of DSCR loans for investors, which focus on the property's income potential rather than personal income Additionally, Brad shares insights into the challenges and opportunities of multi-unit properties and commercial real estate, stressing the importance of strategic planning and the role of community banks in financing unique properties. Throughout the episode, listeners are encouraged to consider creative financing options and to seek professional advice to optimize their real estate investments.
UNIVERSITY
UNIVERSITY
