I'm a Certified Mortgage Planning Specialist™, and a REALTOR® Success Coach, specializing in helping my clients put together a mortgage plan and helping them purchase homes. The uniqueness of my practice is that I'm in front of all of my past clients on a yearly basis where my company and I conduct annual mortgage reviews to ensure that their mortgage is putting them on track to achieve their short and long-term financial goals.

The lowest rate on the incorrect strategy can cost thousands of dollars over the life of a loan, so it is vital that someone have a professional managing their family's largest debt.

I need to refer my clients to the top REALTORS®, Financial Planners, Insurance Agents, CPA's, and Estate Planning Attorneys in the area - so if you are accepting business, please contact me so we talk and see if we are a good match to work together!

Coast Mortgage Group now offers small-balance commercial financing as well as reverse mortgages.

About Me

• Experienced entrepreneur, and community leader
• Developed systems to streamline the mortgage planning process for his clients
• Before entering the mortgage industry, I worked on Capitol Hill for a Member of Congress
• Graduate of the University of California at Irvine - B.A. Political Science, Minor in Humanities and Law
• Named by the Daily Pilot newspaper as one of "Newport Beach/Costa Mesa's 103 Most Influential People"
• In my free time, I coach varsity baseball at Costa Mesa High School, and serve as a volunteer in Orange County Hospitals as an emergency radio communicator
• Bilingual in English and Spanish
• My wife Emily and I reside in South Orange County, CA
• Emily and I enjoy traveling, reading, baseball, the beach, watching the Angels and USC Trojans Football

My Mortgage Planning Purpose

"As a mortgage planner, I am committed to serving you in helping you make the most informed mortgage decision possible. A mortgage is not just a loan; it is one of your primary financial planning tools.

Unlike a traditional loan officer, my responsibility is to help my clients integrate the loan that they select into their overall long and short-term financial and investment plan to help minimize taxes, improve cash flow and reduce interest expense.

My purpose is to help you create a mortgage strategy that eliminates debt and builds wealth for your family." 

When asked about why he loves his role as a mortgage planner, Galel says that "helping a deserving family purchase a home is one of the most rewarding aspects of (his) career. The files in my office are not 'deals' - they are families who are achieving the American Dream! It sounds like a cliche' but, we literally get to make dreams come true. It's such an exciting experience, and the impact we have on their lives is what makes me passionate about what I do."

- Galel Fajardo, CMPS™ - President and Mortgage Planner, Coast Mortgage Group

My specialties include:

• A-Paper and Alt-A purchase and refinance transactions
• Jumbo and super jumbo loan amounts (Up to $10 million)
• Mortgage plans for self-employed borrowers or individuals with income that is difficult to document
• Assisting sellers with homes that are For Sale by Owner (FSBO's) (http://www.homesbylender.com/orangesouth) and providing service referrals, including referring them to Realtor partners if they decide that they want to list their homes on the Multiple Listing Service (MLS)
• Assisting clients with a large amount of home equity in employing equity management strategies to protect their assets, create long-term wealth, increase liquidity, and to achieve a debt-free status in a shorter amount of time
• Creating a mortgage plan that coincides with a client's long and short-term financial goals
  

My Professional Affiliations

• Member of the California Association of Mortgage Brokers
• 2008 Treasurer of the Women's Council of Realtors - South Orange County Chapter
• Ambassador of the Costa Mesa Chamber of Commerce
• Membership Chair for LeTip of Irvine Spectrum
• Member of the Better Business Bureau
• Affiliate member of the Orange County Association of Realtors
• Affiliate member of the Newport Beach Association of Realtors
• Member of the Certified Mortgage Planning Specialist Institute

"Galel Fajardo is the most personable and professional mortgage consultant that I have ever come across..." ~ Aaron Mendez, REALTOR® and client

"We wanted to thank you and your team for handling the refinance of our home with such dedication! We had already been with several companies in an attempt to refinance our home that never worked out either do to their inability or quite simply lack of commitment to see the loan through. Not only were Galel and his team extremely professional, but also added a sense of personalization to our loan. We never felt like just another number in a mass of people trying to refi, but rather felt like he was our personal refinance officer, out to produce for us the best loan for us. And he did! Thank you again, all of you, for making the refinance go so smoothly and seemingly effortlessly (although we know on your behalf it was a task!). Doug and I will most certainly be recommending your company to all of our family and friends."

~ Danielle and Doug Martin, Laguna Niguel, CA 

"We want to thank you so much for your help with everything. We would not be in our new home right now if it were not for you. Thanks again!!" ~ The Liguori Family, Orange County, CA

"Most recently we refinanced our home with Galel Fajardo and were extraordinarily impressed with the speed and professionalism with which our loan was handled. The transaction was seamless, and we will continue to share our positive experience with others." ~ The Wells Family, Costa Mesa, CA

"Thank you Galel for your accessibility during our refi..This was a complete 180 from our previous experience!" ~ The Anderson Family, San Marcos, CA

"I saw that Galel Fajardo was the mortgage professional for a buyer on one of my listings recently, and I knew the transaction would go smoothly. He's great!" ~ Josh Hochgesang, REALTOR®