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Business Page


business profile image

The Mortgage Planner.

Lender
5.0 stars
77 Reviews

Markets served


North Carolina
South Carolina
North Carolina
South Carolina

Licenses


Company NMLS
#135191
Additional info available at the NMLS consumer access website

Additional Licenses & Information

South Carolina #135191
Tennessee
Florida #105152

More ways to connect


About us


 Local to North Carolina! Over 30 years of Mortgage Lending Experience, 5-Star rating on Google (75 Reviews), 4.9-Star rating on Experience.com (477 Reviews). The Mortgage Planner, Brad Roche, has owned 100+ properties, completed 200+ flix and flips, developed three neighborhoods, and is a 3 time best selling author on Amazon.

DSCR (LTR and STR):
- 75K Min. Loan Amount
- 1-12 Units
- 85% LTV (depending on program)
- 640 Min. Credit Score
Conventional (Investment / Primary)
- 660 (Inv.) & 620 (Primary) Min. Credit Score
- 20% (Inv.) & 3% (FTHB)/5% (Primary) min. down payment



RESIDENTIAL ONLY- we do not do any commercial or private money loans.
We do not do HELOCS

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Refinance (primary home)
USDA Loan
FHA

Hard/Private/Non-QM

DSCR (long-term rental)
DSCR (short-term rental)
Refinance (investment)

Reviews (77)


5.0 stars
77 Reviews
5.0 stars
77 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
3 weeks ago
Reviewed by Georges Nyafouna
I had an excellent experience working with Brad and his team for financing my investment property. Their expertise in navigating the process and securing the best terms made the entire experience smooth and stress-free. They were always available to answer my questions, explain complex details, and provide valuable advice tailored to my investment goals. Their professionalism and dedication truly meet my expectations. I highly recommend
reviewer image
5.0 stars
|
3 weeks ago
Reviewed by Haydn Flores
Brad and his team added more value in my first time meeting them than any mortgage professional I’ve known for years. I’m excited to do business with them and send business their way in the future. Whether you are a prospective client or affiliate partner, I strongly suggest getting on their calendar to learn more.
reviewer image
5.0 stars
|
a month ago
Reviewed by Katie Doig
Brad and his team go above and beyond. As a local realtor, I often deal with complex transactions. Brad is a straight shooter and within minutes of speaking to him you understand that he has obtained a level of knowledge that comes with true experience and education. He is an excellent communicator and gets the point across in clear and concise manner--which I very much appreciate. Even though I was representing the seller, his team sent me weekly updates and touched base with me on calls to make sure I was up to speed on the progress of the loan for the buyer using their services. They go above and beyond to provide options and solutions, and I will refer clients to them in the future--excellent service and communication!
reviewer image
5.0 stars
|
3 months ago
Reviewed by braeden warg
Amazing team, Joe and Brad meet with us during our preapproval to explain the mortgage process. During this meeting they showed us the benefits to offering a higher price asking for seller concessions which resulted in us bringing less money to the closing table. Big shoutout to Sarah for taking my 15 calls on the day before closing making sure everything was in line, so on closing day we only spent 20 minutes with the lawyer. If your an Purchasing your forever home or a Rental, This team stream lines the process. Also thanks for the muffins.
reviewer image
5.0 stars
|
5 months ago
Reviewed by Michael Mccarthy
Brad and his team we so awesome to work with. They were able to help with every step along the way and took the stress out of the process. They are so accommodating and willing to help anyway that they can. Will definitely be using them again on my next deal.
reviewer image
5.0 stars
|
6 months ago
Reviewed by Pamela Adams
I could not have asked for a better experience with Jacob, Brad, Angela and their whole team! Every detail was thought of and communicated. Their response on any question I had was almost immediate, no matter the day of the week. It was absolutely the best home-buying experience I've had. Thank you all!
reviewer image
5.0 stars
|
8 months ago
Reviewed by CRH3
Brad Roche and team were fantastic through the entire process. Always available to answer any question and kept a steady stream of communication going to ensure we were always aware of next steps. Great job Team Roche!
reviewer image
5.0 stars
|
a year ago
Reviewed by Landon Calton
If you are looking to buy a home in North Carolina you need to work with Brad, Joe and the rest of the team at Element Home Loans. Even as a first time buyer, I felt comfortable and assured about the entire home-buying process while working with their team. Their constant communication and straightforward attitude was key. They provided a precise breakdown of all costs through closing and monthly payments through the full mortgage term. These insights and other great services will be everything you need to feel prepared as you complete the purchase. Joe was very knowledgeable, and he provided useful updates to us at every step along the way. I will be sure to refer any of my friends and family to the Element Home Loans team in the future! Thanks for all of your help!
reviewer image
5.0 stars
|
3 weeks ago
Reviewed by Georges Nyafouna
I had an excellent experience working with Brad and his team for financing my investment property. Their expertise in navigating the process and securing the best terms made the entire experience smooth and stress-free. They were always available to answer my questions, explain complex details, and provide valuable advice tailored to my investment goals. Their professionalism and dedication truly meet my expectations. I highly recommend
reviewer image
5.0 stars
|
3 weeks ago
Reviewed by Haydn Flores
Brad and his team added more value in my first time meeting them than any mortgage professional I’ve known for years. I’m excited to do business with them and send business their way in the future. Whether you are a prospective client or affiliate partner, I strongly suggest getting on their calendar to learn more.
reviewer image
5.0 stars
|
a month ago
Reviewed by Katie Doig
Brad and his team go above and beyond. As a local realtor, I often deal with complex transactions. Brad is a straight shooter and within minutes of speaking to him you understand that he has obtained a level of knowledge that comes with true experience and education. He is an excellent communicator and gets the point across in clear and concise manner--which I very much appreciate. Even though I was representing the seller, his team sent me weekly updates and touched base with me on calls to make sure I was up to speed on the progress of the loan for the buyer using their services. They go above and beyond to provide options and solutions, and I will refer clients to them in the future--excellent service and communication!
reviewer image
5.0 stars
|
3 months ago
Reviewed by braeden warg
Amazing team, Joe and Brad meet with us during our preapproval to explain the mortgage process. During this meeting they showed us the benefits to offering a higher price asking for seller concessions which resulted in us bringing less money to the closing table. Big shoutout to Sarah for taking my 15 calls on the day before closing making sure everything was in line, so on closing day we only spent 20 minutes with the lawyer. If your an Purchasing your forever home or a Rental, This team stream lines the process. Also thanks for the muffins.
reviewer image
5.0 stars
|
5 months ago
Reviewed by Michael Mccarthy
Brad and his team we so awesome to work with. They were able to help with every step along the way and took the stress out of the process. They are so accommodating and willing to help anyway that they can. Will definitely be using them again on my next deal.
reviewer image
5.0 stars
|
6 months ago
Reviewed by Pamela Adams
I could not have asked for a better experience with Jacob, Brad, Angela and their whole team! Every detail was thought of and communicated. Their response on any question I had was almost immediate, no matter the day of the week. It was absolutely the best home-buying experience I've had. Thank you all!
reviewer image
5.0 stars
|
8 months ago
Reviewed by CRH3
Brad Roche and team were fantastic through the entire process. Always available to answer any question and kept a steady stream of communication going to ensure we were always aware of next steps. Great job Team Roche!
reviewer image
5.0 stars
|
a year ago
Reviewed by Landon Calton
If you are looking to buy a home in North Carolina you need to work with Brad, Joe and the rest of the team at Element Home Loans. Even as a first time buyer, I felt comfortable and assured about the entire home-buying process while working with their team. Their constant communication and straightforward attitude was key. They provided a precise breakdown of all costs through closing and monthly payments through the full mortgage term. These insights and other great services will be everything you need to feel prepared as you complete the purchase. Joe was very knowledgeable, and he provided useful updates to us at every step along the way. I will be sure to refer any of my friends and family to the Element Home Loans team in the future! Thanks for all of your help!

Our Team


Brad Roche