Mortgage planning that builds your net worth — not just your loan.

We manage the liability side of your balance sheet with the same rigor your financial advisor brings to the asset side — so every mortgage decision moves you toward long-term wealth.

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Hey, I'm Robert Boladian!

Certified Mortgage Planning Specialist (CMPS)

As a Certified Mortgage Planning Specialist (CMPS), my work is dedicated to strategically managing the liability side of the balance sheet — empowering clients to build and optimize their net worth through sophisticated mortgage planning.

I actively partner with financial advisors, leveraging advanced tools and methodologies to deliver comprehensive financial solutions:

NMLS ID: 14241

Direct/Cell: (760) 828-7444

Email: [email protected]

Let's maximize both of your time and finances

What makes us different?

Most lenders quote you a rate. We build you a strategy. As a Certified Mortgage Planning Specialist (CMPS), Robert Boladian treats your mortgage as what it really is — the largest liability on your balance sheet, and one of the most powerful tools you have for building net worth when it's managed well.

Using platforms like Mortgage Coach and CCIM financial models, we run the real analysis behind each decision: real estate IRR, discounted cash flow, equity growth, before- and after-tax scenarios, and net-worth impact over time. You see exactly how a loan choice plays out over five, ten, and thirty years — not just what the monthly payment is today.

The result is a mortgage decision made with full transparency and clarity, integrated into your broader financial plan.

Programs tailored just for you

Whether you're buying your first home, reducing your monthly payment, tapping equity, or financing an investment property, we match the structure to your goals. Programs include fixed-rate, adjustable-rate, jumbo, and specialized financing — each modeled against your long-term net-worth objectives before you commit.

Purchase

Open the door to your dream home

We provide a wide range of purchase options — fixed-rate, adjustable-rate, jumbo, and specialized financing — tailored to your financial picture and structured to keep your long-term wealth on track. From first-time buyers to move-up and investment purchases, you get a plan, not just a pre-approval.

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Refinance

Maximize your finances

A refinance is a balance-sheet decision, not just a lower rate. We model the real return — after-tax cost, breakeven, equity growth, and net-worth impact — so you refinance only when the numbers genuinely work in your favor. Payment reduction, cash-out for goals, term changes: we show you the math before you decide.

See If It Makes Sense

Need more help?

At the heart of our service is a commitment to exceptional customer service. Expect personalized support and prompt responses throughout the mortgage process.