We have designed services before, during and after the mortgage process to exceed our clients expectations including finacial mortgage managment & explanation.

Thanks for your interest in working with Brad Roche, The Mortgage Planner, and team! You were likely referred to us and we wanted to thank you for trusting the person who sent you. Please be sure to let us know who sent you- we would love to thank them! If you found us another way, we are honored to assist as well. As you may see throughout the site Brad is nationally known in the mortgage industry as an expert in the mortgage process and ongoing service needed when managing your mortgage. (Conventional, FHA, VA, USDA, JUMBO and Non-Traditional). You typically start the process speaking with Brad directly and a quick application to then begin the planning stage. He will take it from there with the best way to proceed to meet goals outlined. We create an interactive personalized plan you can view on your mobile device that focuses on the mortgage types and options to excel your designed payoff plan. In addition, a Full-Time Loan Concierge will be assigned to assist you through the process of purchasing or refinancing.

“A lot of people ask about interest rates on the first call when shopping for someone to manage the mortgage- you can find a lot of low offers out there, and I do think it is smart to do your due diligence on your Loan Officer and Lender. When you dig in and prepare a plan, it pays huge for our clients, that’s what we do best. My clients are serviced year after year and it makes a difference. Please understand we don’t claim to be the lowest offer available, but I do believe the streamlined technology, personal service from my team combined with my market experience and monitoring during and after your initial will far exceed any initial discounted offers.” Brad Roche

Listed on this page are some additional services we include in every mortgage. Please also view what our clients have to say about us.

Tuesday Updates- Each week our Loan Concierge provides a weekly status update to our clients and all involved in the transaction keeping everyone on the same page each week until closing. Additional updates are provided at other times during the process, however, we like to make sure all the bases are covered on a regular weekly expectation.

On-Time Closing Guarantee- It is that simple!  If you provide documents as requested within 48 hours throughout the process, and we agree to your date at the time of application, we will close on time or you pay no lender fees! (some restrictions may apply)

Pre-Closing Package- One of the lending industries most common complaints is that clients are not prepared for closing.  Knowing this, we have all of our client’s documents they will see at closing emailed to them 72 hours in advance of the closing date to ensure for a smooth close.  

Seamless Personal and Mobile Process- Quick and easy mobile application, with a scanner, home mortgage calculator, home search alerts right when it new homes come to market.

Moving Administration- As part of our extended service for clients purchasing we also include administrative assistance for our clients by setting up lawn care, utilities, water, disposal service, audio/ video needs and more.  For clients relocating to the Charlotte area from another city be sure to ask about our special savings for car rental, dinner and hotel needs.

Trailing-Spouse Employment Assistance- Due to many of our Passport to Charlotte Business Partner relationships and our on-going effort to maximize our Human Resource relationships with employers of existing clients, we have many ways to promote your resume to our partners. Please let us know if we can be of assistance in this area. 

Enhanced Interest Rate Tracking- With over 20 years of experience and 10,000 closings we have invested in extensive interest rate movements and mortgage-backed securities.  Clients and Partners can receive market updates and alerts by following us on Twitter @themtgplanner.

Travel Planning- also provide executive planning for your next luxury vacation with special discounts for all our clients and partners.  As many relocate to the Charlotte area we felt it was important to cater to those needs and more.   We have invested efforts to assist you with car rentals, hotel accommodations, flights, cruises, and vacations!  We have exclusive offers and savings for our clients as we are authorized travel agents.  

Courtesy Lawn Care- We know moving in can be a lot of work!  That is why we provide your first lawn cut as a courtesy.  It is our way of saying welcome home. We provide this service up to 14 days after closing. 

Seller's Preferred Lender- For our Realtors and clients who need to sell a home we offer a complete website featuring your home at no additional cost. We often get many views to help sell the home and may in some cases offer a discount to your buyer for financing with us

Passport to the Carolina's- You will also have access to many discounts to local businesses and discounted tickets to area attractions.  Follow us on Facebook for more details.

Homebuyer Privilege Package- After closing receive 'exclusive access' to our online portal of over 200,000 businesses including major retails like Target, ADT Security, Office Depot, Six Flags and more!  Your registration allows you to access to Homebuyer Privileges for 12 months – a year's worth of savings!  Total program savings of up to $7500!

Annual Review- As a part of on-going service we check in with our clients each year to review details to make sure goals are met.  We review mortgage balances, amortization schedules, prepayment affects, bi-weekly payments to meet payoff goals, PMI (private mortgage insurance) removal, equity line needs, tax filing advantages and more regardless of your current mortgage servicer.  We allow each client to refer two family members to receive this yearly service at no cost.