plan

prepare

home

KYLE PALANIUK 

&

JIM SAKRISON

IT'S TIME FOR CHANGE

WE MOVED TO C2 FINANCIAL!

 

With big changes IN the market come big changes WITHIN the market. 


In the last 2 years independent mortgage brokers have increasingly delivered better rates and experience to consumers.  That's why we've chosen to join C2 Financial Corp. as a funding platform to serve our clients -  the top independent mortgage broker in the country according to Mortgage Executive Magazine for 2018.

Get answers to some common questions below! 

And be sure to update our email addresses:

kyle@planpreparehome.com

jim@planpreparehome.com

Questions

Are you still working on the same team?


Yes! We're proud to still be working together with the same fine individuals as before: Kyle Palaniuk, Jim Sakrison and Matt Chao.




Are you working in the same office?


Yes! We're still working at our very convenient location in the heart of North Park, San Diego at: 3919 30th St. San Diego, CA 92104




Why the change?


With a changing environment in the mortgage industry we have decided to position ourselves ahead of the curve. By working directly with wholesale lenders we can now offer the same great experience to the families we work with, but deliver overall better rates and terms, a wider array of products, and more lenders to choose from when finding the perfect mortgage!




Will this change affect my current loan in progress?


No. If you're currently in the middle of a transaction nothing will change.




What's the difference between being a mortgage banker and a mortgage broker?


Mortgage bankers work specifically with one mortgage lender, and often are correspondent lenders for other lenders. The mortgage bank makes the loan directly and then sells the loan immediately to the investor. Mortgage brokers are able to access more lenders to compete over your loan, often offering lower interest rates, but the loan is originally funded by the investor, with the help of the broker to ensure the process happens smoothly. Here's a cool little article about Mortgage Brokers on a quick google search. It's based out of the UK, but heck! it's a pretty good article.. but rest assured we don't charge an origination fee like most brokers!




What exactly is "Plan Prepare Home"?


Plan Prepare Home is a home buying philosophy founded by Kyle Palaniuk in 2017. It's a natural solution to challenges new home buyers face. After years of helping new home buyers we realized that the biggest barrier of entry for new buyers was not actually the ability to get pre-approved, but rather the mental block and fear people tend to have about exploring the process.
We quickly changed our focus on spreading the message of education and empowerment to our future clients and decided to spend most of our time up front with new buyers educating them on the process, keeping a holistic approach, and empowering them to keep in mind that they're in the driver's seat. Our role is to be here for guidance and support. We believe that with knowledge comes confidence, and with confidence comes good decisions made quickly, and with that comes success.





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3919 30th St. San Diego, CA 92104

© 2018 by Kyle Palaniuk at C2 Financial Corp NMLS 135622 | CA BRE 01821025 | Ind. Licenses: Kyle Palaniuk  NMLS 984138 CA BRE: 01932878 

All loan approvals are conditional, not guaranteed and subject to lender review of all information. Loan is conditionally approved when lender has issued approval in writing, but until all conditions are met, loan cannot be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. In California, This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622. For state licensing information outside of California, click here. C2 Financial Corporation is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA. Privacy Policy