Planatek Financial, Inc.

Planatek Financial, Inc. Our goal is to offer you friendly and professional service. We offer a variety of loan programs with Our Philosophy “Clients for Life”.

Our mission is to continually and consistently provide personalized solutions to our clients and relocating employees while maintaining the highest degree of honesty and integrity. A strong and genuine belief in the “clients for life” principle of doing business is what fuels this company. Referrals from previous clients, local real estate professionals, CPA’s and other financial consultants have always been the majority of Roshe & Simone’s production.

A lot of buyers are still saying the same thing right now:“I’m just going to wait until rates come down.”But history sho...
04/24/2026

A lot of buyers are still saying the same thing right now:

“I’m just going to wait until rates come down.”

But history shows mortgage rates have spent plenty of time well above today’s level.

So the real question is not just,
“Will rates drop?”

It is also,
“What happens to prices while I wait?”

Because if rates fall and more buyers rush back in, that same home may cost more later even if the interest rate looks better. That’s the part buyers need to look at carefully. This is an inference based on how lower rates can improve affordability and bring more demand into the market.

Comment or DM me ‘GUIDE’ and I’ll show you the difference between buying now vs waiting for lower rates based on your numbers.

—-Roshe and Simone, your go-to mortgage broker in the Conejo Valley and Beyond

One of the biggest myths I see from first-time buyers is this:“I probably can’t buy yet.”But that assumption is usually ...
04/23/2026

One of the biggest myths I see from first-time buyers is this:

“I probably can’t buy yet.”

But that assumption is usually based on bad information.

I’ve seen people assume they needed way more money, way better credit, and way more time before they could even start.

Then we looked at the numbers and realized they were much closer than they thought.

That is why pre-approval matters. It replaces fear, guessing, and Google searches with facts.

Comment HOME and I’ll tell you what to prepare first


– If we haven’t met yet, we're Roshe and Simone, your go-to mortgage broker in the Conejo Valley and beyond





Everyone talks about luxury homes.Marble counters.Designer lighting.Showroom kitchens.But most people I talk to about mo...
04/20/2026

Everyone talks about luxury homes.

Marble counters.
Designer lighting.
Showroom kitchens.

But most people I talk to about mortgages aren’t chasing luxury.

They’re chasing stability.

A payment that feels manageable.
A place where rent isn’t going up every year.
A home where weekends start to feel like yours again.

For a lot of buyers, it’s not about having the biggest house.

It’s about finally having a place that’s theirs.

And the moment that really matters isn’t the granite counters.

It’s when you hear the words:

“You’re clear to close”

That’s when everything suddenly feels real.



— Roshe and Simone, your go-to mortgage broker in the Conejo Valley and Beyond

There are programs designed specifically to help people buy sooner than they thought possible.Grants.Down payment assist...
04/17/2026

There are programs designed specifically to help people buy sooner than they thought possible.

Grants.
Down payment assistance.
Programs that can help cover closing costs.

Some buyers are even getting into homes with far less cash upfront than they expected.

The hardest part isn’t always qualifying.

It’s knowing what programs exist in the first place.

If buying your first home is something you’ve been thinking about this year… this might be the moment to actually explore it.

Comment GUIDE and I’ll send you the first-time buyer programs available for your area.

Buying your first home can feel like learning a whole new language.Escrow.PMI.Amortization.Down payment sourcing.And a l...
04/15/2026

Buying your first home can feel like learning a whole new language.

Escrow.
PMI.
Amortization.
Down payment sourcing.

And a lot of first-time buyers are quietly thinking,
“Should I already know this?”
“What if I ask again?”
“What if I sound dumb?”

You are not supposed to know all of this already.

That is what I am here for.

My job is to explain it clearly, answer your questions, and help you feel confident through the process not judged by it.

So if this post felt a little too relatable, just know you are not behind and you are definitely not alone.

—-Roshe & Simone, your go-to mortgage broker in the Conejo Valley and Beyond.

Nobody talks enough about this part.Buying a home with someone usually starts with excitement.The late-night scrolling.T...
04/10/2026

Nobody talks enough about this part.

Buying a home with someone usually starts with excitement.
The late-night scrolling.
The saved listings.
The “this could be our place” conversations.

But life can shift.

And when it does, the house does not just disappear because the relationship changed.

The mortgage is still there.
The title is still there.
The financial responsibility is still very real.

That is why buying with a partner is not just an emotional decision. It is a legal and financial one too.

This is exactly why the money conversation matters before the purchase, not after the breakup.

Comment GUIDE and I’ll send you what to think through first.

– Roshe and Simone, your go-to mortgage broker in the Conejo Valley and Beyond


A lot of people look at buying a home and only see the payment.They see the down payment.The closing costs.The monthly n...
04/08/2026

A lot of people look at buying a home and only see the payment.

They see the down payment.
The closing costs.
The monthly number.

What they do not always see right away is the bigger picture.

Because homeownership is not just about having a place that is yours.
It can also come with financial advantages that renters do not get.

And every tax season, a lot of homeowners realize the same thing:

“I did not even know that counted.”

Mortgage interest.
Property taxes.
Potential capital gains exclusion down the road.
In some cases, even a home office deduction if the rules fit.

That is why buying a home is never just about today.
For a lot of people, it is part lifestyle move, part long-term money move.

This is also why I always tell buyers to look at the full picture, not just the monthly payment.

Owning can do more for your future than most people realize.

– Roshe and Simone, your go-to mortgage broker in the Conejo Valley and Beyond

One thing I’ve learned after helping people with mortgages…Most buyers don’t just want a rate quote.They want clarity.Th...
04/07/2026

One thing I’ve learned after helping people with mortgages…

Most buyers don’t just want a rate quote.

They want clarity.

They want to understand:

• What they can actually afford
• What their monthly payment will look like
• And how to move forward without unnecessary stress
• how to choose a mortgage broker
That’s why my approach has always been simple.

Explain the numbers.
Walk through the options.
Help you make the best decision for your situation.

If you’re looking for a mortgage broker who values
honesty, preparation, and clear communication,

we’ll probably work well together.

— Hi, We're Roshe and Simone, your go-to mortgage broker in the Conejo Valley and beyond

Here’s what I saw in Q1:• Mortgage rates dipped into the low 6% range• Some days even touched 5.8%• Mortgage application...
04/03/2026

Here’s what I saw in Q1:

• Mortgage rates dipped into the low 6% range
• Some days even touched 5.8%
• Mortgage applications started picking up again
• Buyers who paused in 2023 and 2024 are checking numbers again

Most forecasts for 2026 expect mortgage rates to hover around the mid-5% to low-6% range.

Not a dramatic drop.

But enough movement to bring buyers back to the table.

If buying this year is somewhere on your radar, the smartest place to start is simply understanding your numbers.

Comment GUIDE and I’ll help you map out your mortgage game plan.

— If we haven’t met yet, we're Roshe and Simone, your go-to mortgage broker in the Conejo Valley and Beyond

Real estate has its own language.But mortgage conversations sometimes sound like texting.Between pre-approvals, updated ...
04/02/2026

Real estate has its own language.

But mortgage conversations sometimes sound like texting.

Between pre-approvals, updated numbers, underwriting questions, and last-minute documents… my phone can look like a full-time group chat.

Behind every quick message is usually something important happening in the background:

Running numbers.
Structuring financing.
Solving problems before they become problems.

Because for buyers, the mortgage part can feel confusing.

But when everything finally lines up…

There’s one message every buyer loves to see pop up:

“Clear to close.”

That text never gets old.

— Roshe & Simone, your go-to mortgage broker in the Conejo Valley and beyond.

Address

340 N Westlake Boulevard, Ste 240
Westlake Village, CA
91362

Opening Hours

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

Telephone

+18187078899

Website

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