Park Place Financial Group Provides The Ultimate Client Experience

 Hands On Approach

At Park Place Financial Group we strive to provide our client’s with a top notch client experience. Our mortgage advisors are trained to really listen to our client’s needs and be readily accessible throughout the entire mortgage process and beyond the close. Providing unparalleled support, builiding trust, confidence, and long term client relationships has been a key to our success. Joe Costa, Owner/Broker prides himself on delivering the ultimate client experience.

Why Choose Park Place Financial Group? Expertise

 Expertise

Our team of experienced professionals at Park Place Financial Group allows us to offer a diverse set of services under one roof. Whether a client is looking for assistance with securing a mortgage, buying or selling real estate, optimizing a wealth management strategy, or improving their overall health and wellness, we have the expertise to guide our clients every step of the way.

Call Joe Costa at 646-245-7856 or email jcotsa@parkplacefg.com 

Park Place Financial Group | 402 West Broadway, Suite 400, San Diego, CA 92101

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Realtors Get Your Buyers Pre Approved Before You Take Them Around This Weekend

 

As the weekend approaches, we wanted to reach out and remind you that our dedicated team of mortgage advisors at Park Place Financial Group (PPFG) is here to help assist you and your clients. Having over 30 years of experience we have developed a strong understanding of the industry and have built a trustworthy reputation among our Realtor partners and clients. Our philosophy revolves around a personalized approach. We invest the time to comprehend your clients' unique circumstances, financial aspirations, and preferences. This enables us to offer tailored loan options that seamlessly align with their needs, transforming homeownership dreams into reality. Count on us for our seasoned knowledge, swift and efficient service, personalized solutions, and transparent communication. Whether you're accompanying first-time homebuyers on a weekend shopping spree, assisting a savvy real estate investor, or facilitating pre-approvals before the property search begins, we consistently deliver the top-notch support you and your clients rightfully deserve. Should you have any specific inquiries or require further information, please don't hesitate to reach out. We look forward to being an integral part of your clients' homeownership journey in 2024. We are available on Saturdays and Sundays. CA: 619.990.7552 AZ: 602.920.8142 Joe Costa jcosta@parkplacefg.com Marni Wolf mwolf@parkplacefg.com

Email Us

Park Place Financial Group www.parkplacefg.com info@parkplacefg.com CA: 619.990.7552 AZ: 602.920.8142 NMLS #: 1267181 NMLS #: 113396 DRE #:01410823 CA Insurance:0G43152

Down Payment Assistance Programs Are Available For You

 

A down payment assistance program (DPA) is a type of financial assistance offered to homebuyers to help you cover the upfront costs associated with purchasing a home. The down payment is a percentage of the home's purchase price that buyers are typically required to pay in cash. Many potential homebuyers may find it challenging to accumulate the necessary funds for a down payment, which is where DPA programs come into play.

Down payment assistance programs aim to make homeownership more accessible to a broader range of individuals and families,

Highlights of the DPA include

• Credit Scores Starting at 600
• Primary Residence Only
• Secondary Financing to Assist on an FHA Purchase
• Primary Residence Only
• Loans to 5% of Sale Price or Appraised Value (Lesser of)
• Loan To Value( LTV)* to 96.5%
• Debt To Income (DTI) to 45%
• 10 Yr. Fixed Term on Payable 2nd Mortgage 
• 30 Yr. Fixed, 0% Interest Rate on Forgivable 2nd Mortgage-
• For 5% Forgiveness-must stay in the loan first loan for 5 years-all payments all on time
• For 3.5% Forgiveness-must stay in the loan for 3 years-all payments made on time
• Single Family Residence (SFR), 1 to 2 Units, Planned Unit Development (PUD), Townhome, Condo, Double-Wide Manufactured Home

Please reach out to our team of mortgage advisors with over 30 years of experience to learn more about how we can help you with our Down Payment Assistance programs or any of our other exciting range of diverse mortgage products. We are confident that our flexible solutions can help you achieve your home buying or investment dreams. We look forward to working with you and assisting you in finding the perfect mortgage option.

Joe Costa Broker/Owner: jcosta@parkplacefg.com Marni Wolf Owner/Director of Marketing: mwolf@parkplacefg.com

Click on the links below to get find out more about all of our services. Mortgages Real Estate Business Loans IUL-Life Insurance Protection Fundraising & Corporate Wellness Events Mind, Body, Soul & Financial Balance

Offices in CA, AZ,and Coming Soon NV Park Place Financial Group www.parkplacefg.com info@parkplacefg.com CA: 619.990.7552 AZ: 602.920.8142 NMLS #: 1267181 NMLS #: 113396 DRE #:01410823 CA Insurance:0G43152

Park Place Financial Group Has A Variety Of Conventional Loan Options

 

Looking for a fast and worry-free home purchase or refinance? Go conventional and go with us! We offer competitive rates, loans starting at a 620 credit score, low down payment options (as little as 3% down) and can close most loans in less than 20 days compared to 45 days common to banks and online lenders. Our conventional loan options include primary or second homes, investment properties, new construction, cash-out refinances and more. Plus, borrower assistance programs are available to help with your down payment and closing costs.   Let us show you how easy the mortgage process can be. Call today!

Park Place Financial Group Joe Costa (w) 619-990-7552 (c) 646-245-7856 jcosta@parkplacefg.com www.parkplacefg.com Apply for a Home Loan

Apply for a home loan from the comfort of your home

 

Want to apply for a home loan without leaving the comfort of your home? Our online mortgage portal makes it easy to fill out an application, safely and securely gather documents and chat directly with us from anywhere. It even allows us to share the screen in real-time if you need help throughout the process. Ready to apply for your dream home on your time? Call today to get started!

Park Place Financial Group Joe Costa (w) 619-990-7552 (c) 646-245-7856 jcosta@parkplacefg.com www.parkplacefg.com Apply for a Home Loan

Why An Adjustable Rate Mortgage Might Be The Right Loan Option For You

 ARMs are often safer. There are no longer pre-payment penalties, so you can easily refinance.

ARMs are smarter. Most people only stay in their mortgage for 5 to 7 years. Why not go for the lower rate? Plus, more of your payment goes toward the principal, so you pay down your mortgage faster.

ARMs can save you money. A lower rate can mean a lower payment, which can mean more cash in your pocket each month.

There are several different types of ARMs, each with its own benefits. Let’s go over your options together.

Call today to learn more or click on our secure link below to apply.

https://parkplacefinancialgroup.zipforhome.com/CompanySite/Index

Joe Costa

Marni WolfPark Place Financial Group

619-990-7552

info@parkplacefg.com

www.parkplacefg.com

Park Place Collective Exclusive Life Insurance Options Await You. Secure Your Family's Tomorrow

 

You've Made a Huge Financial Investment with the Purchase of Your Home Now let's make sure your Family and Assets are protected. You have purchased your dream home but what happens if there is an unexpected life emergency? A good time to buy life insurance is when you make a major purchase, like a house. Many people opt for a policy covering the entire debt so their family doesn't have to sell the house (or another asset) should they pass away.  Other Reasons to Purchase Life Insurance Marriage: Getting married means that you and your spouse share financial responsibility. It also often means increasing expenses, such as two sets of auto loans, student loans, and a bigger mortgage. When you both contribute to the household, whether by earning income and/or by managing the home, you both need life insurance.  Birth or Adoption: Adding a child to your family also increases your financial obligations. Here's an opportunity to ensure you have enough life insurance to cover lost income, childcare expenses, and each child's future education costs. Divorce: Going through a divorce could also change your life insurance needs. You may want to change your beneficiary for an existing policy. It's also an excellent time to purchase a policy to cover your new set of financial responsibilities, whether they're lower or higher, after the divorce is settled. Final Expenses: Final expense insurance is a type of life insurance specifically designed to cover the costs associated with a person's funeral, burial, and other related expenses that occur after their death. It is also known as burial insurance, funeral insurance, or senior life insurance. The primary purpose of final expense insurance is to ease the financial burden on the deceased person's family during a difficult time. What age should I buy life insurance? If you're wondering the best time to get life insurance, remember there's no universal answer for everyone. Each person has different personal and financial responsibilities that impact the best time to buy life insurance and the ideal death benefit amount.  But here are some time-related factors to consider: The younger, the better  A simple rule to remember is this: The best time to apply for life insurance is now. That's because you're the youngest you'll ever be. When you're in your 20s, 30s, 40s, or 50s, you may need a term life insurance policy until your kids leave for college.  Once you reach retirement age in your 60s, it may be best to get a whole life insurance policy. You can use it to help your spouse financially in the event you pass away first, or you could use the benefit to leave as an inheritance. Either way, the younger and healthier you are, the lower your premiums will be — meaning there's no time to buy life insurance like the present.

APPLY NOW TO SEE WHAT YOU ARE ELIGIBLE FOR

Please reach out to our team of our insurance advisors at Park Place Collective with over 30 years of experience to learn more about how we can help you with our Life Insurance programs or any of our other exciting range of diverse products including mortgage loan products and real estate. 619-990-7552 (CA) 602-920-8142 (AZ)

EMAIL US

Joe Costa Broker/Owner: jcosta@parkplacefg.com Marni Wolf Owner/Marketing: mwolf@parkplacefg.com Click on the links below to get find out more about all of our services. Mortgages Real Estate Business Loans IUL-Life Instruction Protection Fundraising & Corporate Wellness Events Mind, Body, Soul & Financial Balance Offices in CA, AZ, and Coming Soon NV Park Place Collective www.parkplacefg.com info@parkplacefg.com 619-990-7552 (CA)  602-920-8142 (AZ) NMLS #: 113396 DRE #:01410823 CA Insurance:0G43152

Brokers Have Your Best Interests

Brokers Are Better

From providing above-and-beyond service to helping you find the right lender, independent mortgage brokers are serious about doing what benefits you — instead of their own bottom line. Call us today at Park Place Collective to see how our team of mortgage advisors is prepared to help you.

Should you have any questions or wish to discuss your specific needs further, feel free to reach out. We look forward to assisting you in achieving your homeownership goals. We are available on Saturdays and Sundays. CA: 619.990.7552 AZ: 602.920.8142 EMAIL US Joe Costa Broker/Owner: jcosta@parkplacefg.com Marni Wolf Owner/Director of Marketing: mwolf@parkplacefg.com

Click on the links below to get find out more about all of our services. Mortgages Real Estate Business Loans IUL-Life Instruction Protection Fundraising & Corporate Wellness Events Mind, Body, Soul & Financial Balance

Offices in CA, AZ,and Coming Soon NV Park Place Collective www.parkplacefg.com info@parkplacefg.com CA: 619.990.7552 AZ: 602.920.8142 NMLS #: 1267181 NMLS #: 113396 DRE #:01410823 CA Insurance:0G43152

We Are Here For You This Weekend

 

Mind, Body, Soul, & Financial Wellbeing At Park Place Collective (PPC), we understand that the journey to homeownership is a significant and exciting step. Our dedicated team of mortgage advisors is committed to making this process as smooth and stress-free as possible for you in 2024. Whether you're a first-time homebuyer, a seasoned investor exploring the real estate market, or someone looking to secure a pre-approval before embarking on your home search, our team is here to provide unparalleled support tailored to your specific needs. Our mortgage advisors at Park Place Collective are well-versed in the intricacies of the current real estate landscape, ensuring that you receive up-to-date guidance and advice. We prioritize open communication, transparency, and personalized solutions to help you make informed decisions about your homeownership journey. Why Choose Park Place Collective? First-Time Homebuyer Guidance: If you're a first-time homebuyer, our team will guide you through each step of the process. From understanding mortgage options to explaining the nuances of homeownership, we aim to empower you with the knowledge needed to make confident decisions. Investor Support: For savvy investors navigating the real estate market, our advisors provide insights into market trends, financing options, and investment strategies. We work closely with you to align our services with your investment goals. Pre-Approval Assistance: Securing pre-approval is a crucial step before beginning your home search. Our team ensures that you understand the pre-approval process, helping you determine a realistic budget and increasing your confidence as you explore potential homes. GET PRE-APPROVED Tailored Solutions: Recognizing that every homebuyer is unique, we tailor our services to meet your individual needs. Whether you have specific financial goals, credit concerns, or unique circumstances, our team is here to find solutions that work for you. At Park Place we believe in the power of informed decision-making and aim to provide you with the resources and support necessary to achieve your homeownership dreams. Embark on your journey with confidence, knowing that our team is dedicated to ensuring your experience is seamless and rewarding. Should you have any questions or wish to discuss your specific needs further, feel free to reach out. We look forward to assisting you in achieving your homeownership goals. We are available on Saturdays and Sundays. CA: 619.990.7552 AZ: 602.920.8142 EMAIL US mwolf@parkplacefg.com jcosta@parkplacefg.com

Click on the links below to get find out more about all of our services. Mortgages Real Estate Business Loans IUL-Life Instruction Protection Fundraising & Corporate Wellness Events Mind, Body, Soul & Financial Balance

Offices in CA, AZ, CO and Coming Soon NV Park Place Collective www.parkplacefg.com info@parkplacefg.com CA: 619.990.7552 AZ: 602.920.8142 NMLS #: 1267181 NMLS #: 113396 DRE #:01410823 CA Insurance:0G43152

Buy A New Home Without Selling Your Old Home With Our Bridge Loan Products

 BUY A NEW HOME WITHOUT HAVING SOLD YOUR OLD HOME 

Our new Bridge Financing program empowers you to access equity from your current home to purchase a new home, with no monthly payments on the bridge financing. You can gain a competitive advantage in a hot housing market by making a non-contingent offer on the new property.

• Bridge Financing Program pays of the existing lien while providing the cash out needed for down payment on the new home. - Equity used for down payment for the new home - No monthly payments on the bridge financing

 • Up to 75% LTV on bridge loan, depending on occupancy and loan amount

 • Balloon payment due in 12 months for Primary Residences and Second Homes and 6 months for Non-Owner Occupied properties with NO MONTHLY PAYMENTS REQUIRED 

 • Loan amounts as high as $2,000,000

 • Bridge financing only available in conjunction with financing on the new purchase home

For more information on our Bridge Loan or other loan products contact Park Place Collective today. 

Marni Wolf: mwolf@parkplacefg.com

Joe Costa: jcosta@parkplacefg.com

Park Place Collective

619.990.7552 (CA)

602-920-8142 (AZ) 

www.parkplacefg.com 

bridgeloans@parkplacefg.com 

NMLS #1267181 

DRE #:01410823 

CA Insurance:0G43152

Commercial Loan Products For You

 

We have a variety of options for you. Our Park Place Commercial Division is here to support your financing needs. We can help provide financing in the following areas now matter what state  you live in.  Property Types: Industrial, office, restaurants / retail, gas stations, strip clubs, cannabis properties, funeral homes, senior care facilities, residential 1-4 units, non-conforming, non warrantable condos, mixed-use, certain infill lots in good areas, and special use property types.  Property Conditions: Vacant, non-income producing, environmental issues under the Brownfield Act, code violations, abatements.  Borrowers: Irrevocable Trusts, Self-Directed Retirement Accounts, Foreign Nationals, ITIN borrowers, Individuals, Entities, Power of Attorney, Non-Profits, and more! Challenging Deals: Notice of defaults, forbearance, foreclosure bailouts, distressed assets, certain BKs, red tags, vacant, code violations, abatements, dilapidated properties. Term: interest-only to 20 years fully-amortized. Loan Amounts: $100K to $20MM.   If you have a scenario you would like to run by us, call 619-990-7552 or commercialfinancing@parkplacefg.com Click on the link below to Email Us to learn more about how we can help you with our exciting range of diverse commercial loan products. We are confident that our flexible solutions can help you achieve your investment dreams. Our team of professionals at Park Place Collective look forward to working with you and assisting you in finding the perfect mortgage option.

EMAIL US

We are available on Saturdays and Sundays. CA: 619-990-7552 AZ: 602.920.8142 Click on the links below to get find out more about all of our services. Mortgages Real Estate Business Loans IUL-Life Insurance Protection Fundraising & Corporate Wellness Events Mind, Body, Soul & Financial Balance Joe Costa: jcosta@parkplacefg.com Marni Wolf: mwolf@parkplacefg.com