Over the last few years, the term or title "mortgage planner" has been growing significantly in its use by mortgage originators. While sounding impressive, what does it really mean? Is it possible for someone to actually plan a mortgage? After all, don't lenders simply establish the terms of various mortgage products and at that point let the consumer merely select the one they figure best suites their needs?
For the consumer, where, what and how does the so called mortgage planning actually occur?