Kyle and his team worked wonders for us in the acquisition of our San Diego home. Naturally when it came up for a refi, we contacted him. The second time around was even more painless and easier! Plan Prepare Home has our highest, most enthusiastic recommendation. read more

Kyle helped us purchase our first home a few years ago and recently helped us close on our second property in North Park. We cannot recommend him and his team at Plan Prepare Home highly enough. They are professional, detail oriented, and passionate about what they do. Considering how tough the housing market is at the moment, we are grateful we had Kyle and his team on our side. They worked diligently and swiftly getting us pre-approved on schedule with no hiccups. Kyle explains everything in detail and is always available and responsive to your concerns and questions. He has a close pulse on what current rates are doing and will be honest with you regarding when the time is right to take action. I've really appreciated the transparency and honesty from the very beginning. If you are seeking a mortgage broker who is highly skilled, knowledgeable, and professional, we highly recommend Plan Prepare Home for your endeavors. They will rally for you and do everything they can to help you land the real-estate you're hoping for. read more

Bottom line up front: Kyle is a savant in his field and treats his clients with the personal investment and responsibility you'd expect as if he was working his own mortgage. He is someone who is honorable, who you can trust when he presents options and sets expectations that you are always getting the full story and that every avenue has been thoroughly explored. From the beginning, in 2017 when I was leaving Active Duty with the Navy and buying my first home, working with Kyle and his team was like having a friend in the industry; someone you know has your best interests in mind and not just trying to close the deal. The options he helped educate me on back then and multiple times since have paid off immensely and I cannot foot-stomp enough the fact that every single time I've worked with him has played out and worked to my benefit exactly like he said it would. His interest in your financial success with your home does not stop after the mortgage closes. He's checked in, never been pushy, and educated me on the exact best time to refinance to get the best possible rates. After some financial hardship due to the COVID-19 Pandemic, I can say without a doubt that the reason I am still in a home is because Kyle personally ensured back in 2018 and 2019 that I had a solid, low-rate, smart mortgage. Due to family medical issues and un-foreseen consequences of the quarantine, my financial situation became dire and Kyle put the same level of effort, personal care, and attention to detail into my refinance recently as he did when I was in better financial status. There are a lot of "fish in the sea" when it comes to companies and mortgage lenders, so I would expect anyone to put the people who work in this field in the same box, and expect the same things...doing so with Kyle and passing up on the services and education he provides would be an ill-advised financial decision. If you are looking for someone who does such a great job with your loan that the next time you hear a friend or family member who's in the market for a home you can say "I got a guy, you NEED to talk to him", this is that person. read more

This post says better how I feel about Plan Prepare Home and C2 Financing. My previous purchases were with an bank loan officer and attorney and were quite the painful processes. Kyle helped make sure that I had the right kind of loan with the right kind of lender. Toni took the time to keep me informed and explain every step of the process. I now have a beautiful, out-of-state, investment property and new-found knowledge thanks to the expertise of the Plan Prepare Home Team. 10 out of 10 highly recommend!!! read more

I have been working in the real estate industry since 2009 and I have never seen a Loan Officer who cares so much for his clients and goes so far above and beyond normal duties to ensure that they are taken care of. If you want a loan officer that you can trust and that you know will work hard to deliver you the best results, look no further because Kyle is the best. I worked with a Buyer who went through 2 other lenders who completely screwed things up and created a very stressful situation... then we turned to Kyle who stepped in to clean it all up. The client would not have gotten the home without him. Save yourself the headache of shopping around for a lender and let Kyle handle your lending needs. You won't be sorry. read more

Kyle and Frank were absolutely great to work with. We were able to complete a refinancing in a little over 2 weeks, with an excellent rate. The challenges of getting things done during COVID did not slow them down. As a healthcare provider in the military I was super-busy, and they showed tremendous patience and got things done despite my lack of availability. It's been less than a month since the re-fi and I've already recommended them to 3 friends. Professional, classy, and dedicated, Kyle and Frank are the top on my shortlist of the best real estate folks I've ever worked with. Thank you both. Highly recommend!!! read more

We've worked with Kyle on our first home purchase and refinance. Both times, Kyle took the time to explain (and sometimes re-explain) the process so that we felt comfortable and confident that the loan choice was the best for us. He took the time to understand our needs and priorities to offer the best solution. Would recommend! read more

My husband and I have never felt so taken care of in the home buying & loan process. Kyle wasn't in charge of the selling of our existing property, yet HE was the one who took time to explain every detail to us. Plus he secured rates on our new loan that were better than we thought we could get. Easy to talk to, work with, and can move super fast to close! read more

Kyle was amazing! My wife and I had a very challenging refi where we did our house and a condo at the same time. We got a ridiculously low rate and great terms. He did not settle there, when rates went down again, he stepped up and got us even lower rates. Kyle puts you first and is very upfront and honest. He is also a great person and genuinely cares about his clients. read more

Kyle was soooooo knowledgeable and patient with all of our questions. Our refi was quick, easy and painless! I would definitely refer him to anyone and/or use him again in the future! read more

Kyle has done multiple loans for us and is the best! Some brokers are looking to just get something done and quick, but Kyle has great patience, good market understaNding and does what is best for his clients! read more

I bought my first place last year and the idea was a bit daunting. Thankfully, Kyle was there to walk me through every step and keep me up to date on absolutely everything going on within the process. He continues to check up on me and give me advice on plans moving forward. He obviously loves what he does and it really shows. I couldnt have asked for a better broker and will definitely be using his services in the future. read more

This was such a great and easy experience. Kyle walked me through every step in detail. He made me feel comfortable with the process and he didn't push my timeline. He sensed hesitation from me on our first meeting and he gave me the time I needed to be ready. Once I finally decided to get pre-approved, Kyle and his team were responsive, hard working, and very communicative. I will most definitely be using Kyle again in the future and I will be referring all my friends to him. read more

This was not what I had expected! Buying our first home and getting a mortgage with Kyle was a great experience. People had warned me about how confusing and time consuming getting a mortgage can be - but Kyle explained everything very thoroughly so that it was a quick and simple process. I learned a ton! Kyle also picked up the slack where some of the other "moving parts" of the house buying process were falling through to ensure we got the house at the deadline we were hoping for. read more

I am a first time home buyer and all I can say is that I could not have been luckier to have Kyle and Jim helping me out. Between the two of them they make an incredible team, but each one of them individually are amazing at what they do. Kyle was able to somehow both get me a lower rate than what I expected, as well as a loan credit that he somehow managed to pull of just before a cutoff time. I always felt like they had my best interest at heart and learned so much from them. Kyle would explain everything that I needed to know multiple times just to make me feel comfortable with all the info that was being thrown at me, and did an amazing job. After months of looking and advice from them I ended up buying the house that I felt was the best option possible for me. I'm the happiest I could be with both the end result and the process that I went through to get there! read more

Working with Kyle was so easy and enjoyable (nothing about a mortgage is enjoyable most of the time) a few years ago when we first bought that I went back to him this year for refinancing. His rates are really competitive, he makes sure everything he promises gets done and he is just a great person to talk to and work with. Their online portal is really useful as well. read more

Kyle was so great to work with on our recent home loan! He genuinely cared about what was best for us, and was honest and informative even if it did not benefit him. He was super accommodating with our quick timeline and worked tirelessly to find us the best loan options! I could not imagine using anyone else. read more

We are self employed and have found it's very difficult to do a lot of things but one of the hardest was to get a loan to buy a house. Kyle understood the extra challenges we faced being self employed and dove into it head first. There were a few occasions it really looked like we had hit every dead end and we were out of options but Kyle managed to forge his own path and figure out a way to make it work for us. We have been in our home almost 1 1/2 yrs and couldn't be here without Kyle. We are so thankful for the extra dedication and would recommend him to anyone :) read more

My wife and I recently bought a house. Kyle was unbelievably supportive, dependable and on it! We had some tough hurdles to get through for our funding, but he researched all options and thoroughly understood each one, being able to break them down so we understood it. If he didn't have an answer, he found someone who did! He made sure I clearly understood everything that was going on, which I so appreciated. Not being in the mortgage industry, I didn't know a lot of what to expect. But Kyle educated us in terms that were easy to understand. He always got back to me in a timely manner and kept me abreast of what was going on. From his prompt response to our request for a pre-approval letter same day, to alerting us of when we needed to quickly sign documents, he was in constant communication with us. The two things that impressed me most about working with him, was his ability to understand complex situations... and his passion for his craft. He genuinely cares about his clients and is willing to do what it takes to get them into their dream home. In addition to requiring complicated financing, we had a concurrent closing, meaning that our condo sale was closing at the same time as our house purchase. And we had different title and escrow companies. I did not realize how much this would complicate things further. But Kyle researched and made sure his ducks were all in a row. I have to say he even went "above and beyond" in that during the final (stressful) days before the COE, he initiated group emails between the different title & escrow companies and called the plays, outlining what each party needed to do and in what time frame. He is a true pleasure to work with and we can't thank him enough for helping us purchase our "forever home." He is professional, down to earth and just a nice guy. Thank you, Kyle! We appreciate you and are forever grateful for your help! We love our home. :) read more

I have work with Jim and Kyle on two major house transactions (refinance and new purchase) and I cannot say enough about them. They are professional, knowledgeable, organized and friendly. Buying a home is a stressful and confusing process and having a trustworthy team to support is key. They were available to answer any questions and support us in all phases of the loan process. I highly recommend working with these two to buy your dream home! read more

Kyle Palaniuk is a great lender for his clients. He likes nothing more than educating people on their home buying options and always does what's best for them. He goes above and beyond to take care of his clients needs. I would suggest anyone looking for a mortgage or loan to work with him. One of his specialties is working with first-time home buyers. His laid-back personality keeps the process simple and fun. read more

I'm a repeat customer of Kyle as he helped my wife and I purchase our first home back in 2017 and used him again for a refinance as he helped me reduce my interest rate loan even less. For both times I was incredibly thankful for Kyle for his trustworthiness, professionalism, and genuine care in both educating and helping his clients; he really goes above and beyond to ensure the process is stress free and that I am getting the best deal. Being a service member, I used the VA loan for my initial home purchase and IRRRL for the refinance, so to all you military folks out there looking to purchase a home, he's well versed with that side of things, too! My highest recommendation! read more

Kyle is excellent to work with. He helped my boyfriend and I through the mortgage process and was extremely timely and dedicated to making sure we understood everything and nothing was left out. I would recommend Kyle to anyone of my friends and family. Thanks again Kyle for all your help! We love our new home. read more

Kyle was extremely professional and BEYOND knowledgeable as he helped me get my mortgage. It can be an extremely stressful and draining process getting a mortgage, but with Kyle, the process was far from! Thanks Kyle, for making everything flow so smoothly! Highly recommend! read more

Before going through this whole home loan experience, I didn't realize how important it would be to have a trusted advisor by our side--one who could integrate well with the entire team of people involved in the process (including the realtors, title company, etc.). Not only did Kyle prepare me for what to expect, but he truly went above and beyond to ensure we had a smooth experience. We heard nothing but praise about him from everyone involved. He was constantly looking for all possibilities in securing the best loan/funding for our specific needs and we would highly recommend him to anyone looking to purchase or refinance a home. read more