Independent Mortgage Team · North Park, San Diego
Buy a home. Build a life around it.
From Granada House in North Park, we help homebuyers across eight states plan, prepare, and get home — then stay in your corner for the whole mortgage-life after, so you can build the community around you.
5.0★ from clients on Google & Yelp · a real human replies, usually the same day
The whole philosophy
Education before applications. Real scenarios before decisions. Preparation before pressure.
How it works
One road home.
Three chapters.
The lights come on.
"Wait — I can actually do this." We unlearn the myths, fill every knowledge gap, and build the plan around your goals, your budget, and your questions. All of them.
The real pre-approval.
A little paperwork — less than you think — a strategy that fits your life, and a pre-approval that actually means something when you make an offer.
Execution, together.
The search, the offer, inspections, appraisal, underwriting — all the way to keys in your hand. The part where others go quiet is where we get loud.
The reputation
The reviews say it better.
First home or fifth, W-2 or self-employed, simple file or the kind other places turn away — if there's a path, we find it. Our clients have kept the record perfect.
"Plan Prepare Home was incredibly helpful in guiding my wife and I through the entire process of buying our first home."
"Kyle and Anthony were terrific every step of the way and enabled me to get a home mortgage in record time."
"Jim is a truly exceptional loan officer! He provided invaluable assistance in our purchase of our first home."
"Jim with Plan Prepare Home was such a pleasure to work with. He and his team made the home-buying process smooth and easy."
"Kyle and his team are Amazing! I can always get a hold of him when I have questions on a loan."
"Kyle is a savant in his field and treats his clients with the personal investment and responsibility you’d expect as if he was working his own mortgage."
"I have been working in the real estate industry since 2009 and I have never seen a Loan Officer who cares so much for his clients and goes so far above and beyond."
"Kyle helped us purchase our first home a few years ago and recently helped us close on our second property in North Park. We cannot recommend him and his team highly enough."
"Kyle and his team worked wonders for us in the acquisition of our San Diego home. Naturally when it came up for a refi, we contacted him."
Where we work
Local roots. Eight-state reach.
Home base is North Park, San Diego — but everything we do travels: planning calls, live scenarios, your client portal. Down the street or two time zones away, the experience is the same. Tap a state to see the local playbook.
■ California — home base, San Diego■ Arizona■ Colorado■ Texas■ Florida■ Oregon■ Washington■ Nebraska
Who we are
Three humans. Zero suits.
We're neighbors, parents, musicians, and (between us) a few decades of getting San Diego families home.
Kyle Palaniuk
Jim Sakrison
Anthony Cafiso
Ink for now — real photos of us in our natural states are on the way.
Our home
We work out of Granada House.
A place in North Park where art and community come together — gatherings, music, exhibitions, good friends. It's also where we help families get into their new homes. Business in the front, party in the back.
Visit granada-house.com →Before you reach out
The questions we get first.
Do I have to fill out a full application just to talk to you?
No — and most people shouldn't start there. Get pre-approved first takes about twenty seconds and gets you real numbers from a real person: no SSN, no credit pull, no application. The full application is there whenever you're ready, and you can go straight to it if you already are.
What's the difference between getting pre-approved and applying?
Applying is the formal mortgage application — we pull credit, verify income and assets, and can issue a pre-approval letter strong enough to put in front of a seller. Pre-approval as we use it here is the conversation before that: what you'd likely qualify for, what the payment really looks like, and what to tidy up first. If an agent is asking for a letter, you want the application.
Which states can you lend in?
Eight: California, Arizona, Colorado, Texas, Florida, Oregon, Washington, and Nebraska. Each has its own page with local market notes, programs, and the tax-and-insurance math for that state.
How fast will someone actually get back to me?
Usually within a couple of hours during business hours, and the same day otherwise. It'll be Kyle, Jim, or Anthony — the same people you'd work with the whole way through. Never a call center, never a lead-router.
I'm self-employed / my income is complicated. Is that a problem?
It's most of what we do. Between bank-statement loans, asset depletion, DSCR for investment property, and plain-old careful tax-return analysis, there are usually several ways to document income that a retail bank won't walk you through. See the full range — approval is still subject to qualification, but "complicated" is rarely the reason a file doesn't work.
Why use a mortgage broker instead of my bank?
Your bank knows your balance. A broker shops lenders and helps structure the deal so an offer actually gets accepted — which is the game now, not just comparing numbers on a sheet. Here's the full case, including a free side-by-side if you already have a bank quote.
Does it cost anything to talk to you or get a pre-approval?
No. The conversation, the numbers, the scenarios, and the pre-approval cost nothing and carry no obligation. As a broker we're paid at closing, and you'll see exactly how before you commit to anything.
Three doors, pick any
Ready when the lightbulb goes on.
Two minutes of questions, zero commitment, no credit pull — or skip straight to the application, or just text us like a person.
Not sure where to start?Pick a door — prove you're ready, rate yourself, check how you qualify, or just skip to a human. Choose your path →A real human replies ASAP. Every message you get from us was written or approved by Kyle, Jim, or Anthony — that's a promise, not a chatbot.