Who we are

Three humans. Zero suits.

Between us: a few decades of getting San Diego families home — and not one person who’ll ever talk to you in jargon. Neighbors, parents, musicians, and the team on the other end of your loan.

Line drawing of Kyle Palaniuk

Kyle Palaniuk

Founder · NMLS 984138

Founder of Plan Prepare Home and the person who set the standard everyone here works to: advice you can check the math on. Jazz trumpeter, North Park fixture, and the reason so many first-time buyers stop being scared of the process.

Line drawing of Jim Sakrison

Jim Sakrison

Broker Associate · NMLS 244905

Twenty-plus years in real-estate finance and strategy, and a warm, plain-language communicator who makes complicated deals feel calm. Jim owns our realtor relationships — the agents who trust us with their clients trust Jim first.

Line drawing of Anthony Cafiso

Anthony Cafiso

Loan Officer · NMLS 2104568

Two decades in small-business finance make Anthony the operational engine of the team — the one tracking every moving part until the file is clean. Ask anyone here why deals close on time, and the honest answer is Anthony.

Ink for now — real photos of us in our natural states are on the way.

How we work together

Education first, and the whole team on every file.

We don’t hand you off. Every client belongs to the whole team — Kyle’s standard, Jim’s strategy, and Anthony’s follow-through are on your file whether your name is the one on the email or not.

And before we ever talk numbers, we teach. Our job is to make sure you understand the plan well enough to explain it to someone else — because a decision this big should never rest on trust alone. It should rest on math you can check.

Three doors, pick any

Say hi to the whole team at once.

Start the two-minute plan, jump straight to the application, or just text us like a person. However you reach out, all three of us see it.