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The Mortgage Planner
Welcome · Element Home Loans
     
New Beginnings
Every new beginning deserves a plan.
Most lenders stop at closing. We don't. From your first application to years down the road, we walk the whole journey with you, because your family's next chapter starts right here.
Who We Are
A wealth-first planning team, not a rate desk.
3rd
Mortgage family business
Top 1%
Nationwide for families served, ranked year after year
The Mortgage Planner exists because a mortgage doesn't end at the closing table. That's where the real relationship starts. Our team is built around one job: making sure your home loan is always working as hard as it can for your life, your cash flow, and your long-term goals. That means annual check-ups, proactive refinance alerts when the math actually makes sense, and a standing invitation to bring your questions back to us, for as long as you own the home.
Every recommendation you get here is calculated, not guessed: real amortization, real numbers, real trade-offs laid out plainly so you can make the call with confidence. We also believe in giving every client a way to hear more from us beyond the closing table.
The Mortgage Planner Experience
What happens before, during, and after your loan.
Most clients only think about the "during." We treat all three stages as equally important.
01
Before
We map your full picture first: goals, timeline, and numbers, so your pre-approval reflects a real strategy, not just a max loan amount. This happens on our "Planning Call," which follows a preliminary application and soft-pull credit review.
02
During
Clear communication at every milestone, no surprises at closing, and a team that answers the phone when you have a question mid-process. Once you're under contract, you get our guaranteed Tuesday Update by noon, every week, without having to ask, so you always know exactly where things stand.
03
After
Annual mortgage check-ups, refinance alerts when the math works, and a direct line to us anytime your situation changes. You'll also receive a Monthly HOME Report showing your home's current value, with ongoing monitoring of comparable sales and prepayment opportunities, so anything working in your favor gets flagged before you have to ask.
How We Grow
We're a referral-based practice.
We don't run big ad campaigns to find new clients. Almost everyone who comes to us was sent by someone we already took care of. That's on purpose. It means our time goes into serving the people already in our care, not chasing the next lead, and it keeps us accountable to actually earning that trust, one family at a time.
What that looks like for you
Upfront, direct, and clear options, every time. Three generations into this family business, and we still treat every client like our own family.
Suddenly, you'll notice it everywhere
It's a strange thing. Once you've been through a home purchase, you start hearing it in everyone else's conversations too. When that happens, we'd love an introduction.
Passing us forward
When a family trusts us with their new beginning, we don't take that lightly — we count it as a blessing. Our goal is that you feel comfortable introducing us to the people you care about, so we can be part of their new beginning too.
"If we take great care of you, would you feel comfortable introducing us to one or two people?"
Client Reviews
What it's like to work with The Mortgage Planner.
★★★★★
"First and foremost, single mother, full time job, pretty new to area and I ask A LOT of questions. I love these guys. Between personalizing your experience, answering every and all questions (in a timely manner, none of that dragging things out nonsense), attention to detail and working with me and for me to better my experience, I could not have asked for more. I purchased a multifamily home, more questions, more worries, more information needed. All found here. Grateful for their experience and for their patience and attention to detail. They are the absolute BEST!"
Verified Client Review
★★★★★
"This team is the best in the business. They are top notch across the board, but I specifically appreciate their educational approach and responsiveness. I have full confidence referring business to this team and know my connections will be well taken care of."
Verified Client Review
★★★★★
"Jacob was the truth from start to finish. Even though I wasn't ready to buy at the moment, he still walked me through everything with patience and real knowledge. He broke down my credit issues, told me exactly what steps to take, and stayed consistent the whole way. Because of his help I got pre-approved and eventually into a home. And when it's time for me to actually buy, I already know exactly who I'm going back to. If you need somebody who's honest, knowledgeable, and really looks out, choose Jacob."
Verified Client Review
All three client reviews above are real.
Ready to start, or just want to talk it through first?
Whether you're ready to apply or just want to see what your numbers look like, the next step takes five minutes.
By the way, who's one person you know who's buying or refinancing right now? We'd love to take care of them too.
The Deeper Why
What drives everything you just read.
Our Mission
To impact individuals at the stage of new beginnings by being resolute in seeing God in every deal and conversation, embodying His presence daily.
Our Purpose
We aim to bestow the gifts of knowledge, wisdom, and financial guidance, empowering our clients to grow and prosper. Through our mortgage services, may the Lord's blessing shine upon each home and family, enriching His Kingdom.
Our Vision
We aspire to be a living example of the church within the mortgage industry, reflecting His love and grace in all we do.
Transparency
What we mean when we say "estimate" and "plan."
We believe in showing our math, not just our conclusions. A few things worth knowing before your first conversation with us:
You may see a lower rate advertised online. We won't chase that headline number just to win the quote. We plan around your real numbers, and in most cases, a quarter point of difference in rate doesn't change the outcome of a well-built plan, even as we still work to get you the best rate available.
When we say "plan," we mean the full picture: your goals, your timeline, your cash flow, and how this loan fits into where you're headed, not just the numbers on a single closing disclosure. That plan gets revisited at your annual review, and adjusted any time your situation changes.
     
The Mortgage Planner
Equal Housing Lender. The Mortgage Planner operates through Element Home Loans, a division of NFM Lending, located at 400 North Harbor Club, Davidson, United States · 704-728-0191 · brad@themortgageplanner.com · © 2025 All Rights Reserved. The Mortgage Planner, Brad Roche NMLS# 135191.

For NFM Lending, LLC's full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893 (www.nmlsconsumeraccess.org). © 2026 NFM Lending, LLC. America's Common Sense Lender®. Trade/service marks are the property of NFM Lending, LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. www.nfmlending.com.