Lance Powell - NMLS ID# 255678

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Lance Powell - NMLS ID# 255678 39 years of experience to help you and your client referral manage your mortgage. Lance Powell | Retail Sales Manager
NMLS ID # 255678 | Branch NMLS ID # 2600774

For many real estate investors, traditional mortgage guidelines don't always fit the way they earn income.DSCR loans pro...
10/08/2026

For many real estate investors, traditional mortgage guidelines don't always fit the way they earn income.

DSCR loans provide financing options for eligible investment properties using rental income qualification instead of traditional income documentation.

Let's talk through your next investment opportunity.

Not every real estate investor fits conventional income guidelines.Planet's DSCR financing program helps eligible borrow...
10/07/2026

Not every real estate investor fits conventional income guidelines.

Planet's DSCR financing program helps eligible borrowers qualify using property cash flow instead of traditional income documentation-creating more opportunities for investor clients purchasing or refinancing income-producing properties.

Let's talk through your next investor scenario.

Traditional income documentation doesn't always reflect how self-employed borrowers earn income.Planet's Bank Statement ...
10/06/2026

Traditional income documentation doesn't always reflect how self-employed borrowers earn income.

Planet's Bank Statement Program offers eligible borrowers another way to qualify using personal or business bank statements instead of traditional income documentation.

Whether you're a business owner, freelancer, contractor, or entrepreneur, we're here to help you explore your financing options.

Not every qualified borrower fits traditional income documentation guidelines.Planet's Bank Statement Program helps elig...
10/05/2026

Not every qualified borrower fits traditional income documentation guidelines.

Planet's Bank Statement Program helps eligible self-employed borrowers qualify using personal or business bank statements instead of traditional tax return income calculations.

A strong financing option for entrepreneurs, contractors, freelancers, and business owners with non-traditional income structures.

Let's talk through your borrower scenarios.

Not every qualified borrower fits traditional income guidelines.Retirees, high-net-worth individuals, and other clients ...
10/03/2026

Not every qualified borrower fits traditional income guidelines.

Retirees, high-net-worth individuals, and other clients with substantial assets may have financial resources but limited traditional employment income. When income alone doesn't reflect the full picture, there may be additional financing options worth exploring.

Planet's Asset Utilization product is a Non-QM solution designed for eligible borrowers whose financial strength may be reflected through assets rather than a paycheck.

If you have clients with significant retirement, investment, or liquid assets, let's talk through the scenario.

Self-employed and thinking about buying a home?Traditional income documentation doesn't always reflect the full financia...
10/02/2026

Self-employed and thinking about buying a home?

Traditional income documentation doesn't always reflect the full financial picture for business owners and self-employed buyers.

Bank Statement financing may offer another way for eligible borrowers to document income using personal or business bank statements.

Wondering if it could fit your situation? Let's talk.

Already have a VA loan? Refinancing it may require less than you think.A VA Interest Rate Reduction Refinance Loan (IRRR...
10/01/2026

Already have a VA loan? Refinancing it may require less than you think.

A VA Interest Rate Reduction Refinance Loan (IRRRL) may offer:
* No appraisal requirement in many cases
* Less income and asset documentation
* The ability to finance eligible closing costs
* An opportunity to lower your rate or monthly principal and interest payment*

The question isn't simply whether you can refinance. It's whether the numbers make sense for you.

Call me today to compare your current VA loan.

*Refinancing may result in higher total finance charges over the life of the loan. Program eligibility and requirements apply.

How many of these VA loan myths have you heard?VA home loan benefits are often misunderstood-from whether you need a dow...
09/30/2026

How many of these VA loan myths have you heard?

VA home loan benefits are often misunderstood-from whether you need a down payment to whether your eligibility ends after military service.

The facts could change how you approach your next home purchase.

Have a question about your VA home loan benefit? Call me today.

VA loan eligibility and program requirements apply.

Not every VA borrower pays the funding fee.Some eligible Veterans, service members and surviving spouses may be exempt. ...
09/29/2026

Not every VA borrower pays the funding fee.

Some eligible Veterans, service members and surviving spouses may be exempt. And if the fee does apply, it can generally be financed into the loan.

Your VA home loan benefit may also include $0 down payment and no monthly private mortgage insurance for eligible borrowers.
Not sure what applies to you?

Call me today.

VA eligibility, funding fee exemptions and loan requirements apply.

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09/29/2026

Help is on the Way!

Address

24501 Dana Drive Ofc #2
Dana Point, CA
92629

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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