ABOUT RAUL MARTINEZ

Why should you work with Raul Martinez?

Don’t all mortgage brokers just compete based on giving you the lowest rate and closing your loan on time? How is Raul Martinez different? As a former practicing attorney, Raul brings a unique approach to Mortgage Planning that far surpasses the experience you will have with an average mortgage broker. Specifically, Raul takes a long-term, consultative approach with his clients and focuses his attention on you first and on your transaction second.

Raul will take time to get to know you and your short and long-term financial goals and structure several different Mortgage Plans that are suitable and appropriate for your monthly cash flow, how long you expect to own the property, the way you view money and investing, your risk tolerance, your tax bracket, and your life goals and dreams. Raul has helped clients structure their mortgage with a focus on a variety of life goals, such as: retirement, college planning, investing in real estate, creating start-up capital for a new business, and creating money to take care of elderly parents/family members with special needs. Within the framework of your goals, one of Raul’s favorite activities is to structure a customized Mortgage Plan for you that will help you achieve your dreams years faster than you expected, with tens of thousands (sometimes hundreds of thousands) of extra dollars when you get there, and with more safety along the way.

Once Raul has structured several different mortgage options for your consideration, he will discuss the advantages of each different option with you and how each one can work in conjunction with the rest of your financial picture. Then, you can make an informed decision that is right for you. Once you’ve selected your Mortgage Plan, Raul will fight to get you a competitive rate on the right loan for your personal profile. During the Mortgage Process, Raul takes great measures to make sure you are fully informed and in control from start to finish.

After your loan closes, you will be in Raul’s Ongoing Client Support Program, which will (i) help you monitor how well your loan is performing relative to the mortgage industry each quarter so that you always have the lowest interest rate, (ii) help you monitor the value of your home so you and Raul can manage your home equity to safely create additional wealth, if you choose, (iii) help you adjust to changing life circumstances through Raul’s free Annual Review, and (iv) educate you on how to make your mortgage work FOR YOU instead of against you.

Raul’s goal is to EARN your trust and establish a long-term advisory relationship with you. He has an open-door policy for all of his clients, and many of his clients take advantage of this by calling him to ask about different mortgage, real estate, and investing topics long after they have closed their loan with Raul. If there is any way Raul can help them, he will, and if he cannot, he will refer them to the appropriate professional who can.

So the final question is not “Why should you work with Raul?,” but rather, “Why would you work with anyone else?”

Background Information

When deciding where to attend college, Raul faced a difficult decision between the U.S. Air Force Academy and Harvey Mudd College in Claremont, California. Raul eventually chose Harvey Mudd College, where he played football and rugby and explored many of the different career paths that an engineering degree could offer. After much searching, Raul discovered the possibility of becoming a patent attorney, and he proceeded to the University of Utah to attend law school.

Upon graduation from law school, Raul returned to California, where he practiced law for almost four years, helping companies such as Intel and Johnson & Johnson protect their inventions and other intellectual creations. While practicing law, Raul developed an increasing interest in the world of real estate that he could not ignore.

Eventually, Raul left the practice of law and began investing in real estate. Raul enjoyed real estate investing so much that he began helping other people evaluate real estate investment opportunities.

After analyzing a real estate development project for one of Joe Chatham’s family members, Joe offered Raul a position at Chatham Street Mortgage Services as a Mortgage Planner. Raul jumped at the chance to help other people analyze and strategically structure their mortgage financing, which is one of the most important financing choices people make during their lifetime.

Although Raul initially focused on financing owner-occupied, residential properties, his client base had an increasing number of investment-minded people who wanted to purchase investment properties or who wanted to use equity in their home to create additional wealth in other investment vehicles.

Thus, Raul has developed a network of strategic partners, including financial planners, estate planning attorneys, and tax and real estate professionals, to assist his clients that are focused on creating and managing wealth. In addition, Raul has added commercial mortgage planning to the range of services he offers to his clientele as another avenue to create wealth.

Raul lives in Santa Monica, California, with his wife, Kelly. In his spare time, Raul enjoys taking Brazilian Jiu Jitsu classes, working on his instrument rating for his private pilot certificate, working on his real estate development projects, and learning about new investment opportunities.