Three generations. One family practice.

Experience and expertise are our passion. We’re a family team with Element Home Loans, serving buyers and homeowners across North and South Carolina with planning first and service that lasts long after closing.

Meet the team Apply now

$2B+in closed loans
30+ yearsin the business
3generations of planners
4.92 ★from 550+ reviews

A family business, three generations deep.

I
Robert J. Roche
Brought Brad into the business and wrote Harness the Hurricane Within.
II
Brad and Angela Roche
More than 30 years each in lending, underwriting, real estate, and development.
III
Bradley and Jacob Roche
Raised in the business and now serving clients across Charlotte and Charleston.

Meet the team

The people who plan, guide, and take care of you before, during, and after your loan.

Brad Roche
The Mortgage Planner, team leader
NMLS 135191

The Mortgage Planner for more than 30 years, Brad continues to rank nationally for his team’s sales volume and is a three-time Amazon best-selling author.

More about Brad
Brad spent 20+ years as a national sales trainer, 10 years as a HUD Direct Endorsed Underwriter, and 11 years as a licensed real estate agent. He holds several leadership training certifications and was named a Master Graduate in 2000.
He has been the lead developer on multi-million-dollar commercial and residential projects and is a certified class instructor with Central Piedmont Community College. He’s been featured in many articles and press releases as an expert in his field.
Angela Roche
Mortgage partner
NMLS 2243530

Brad’s wife first and mortgage partner second, Angela has worked in every part of the lending business for more than 30 years.

More about Angela
She has handled processing, underwriting, and closing, and was HUD Direct Endorsed approved for more than 10 years. Today she guides clients through the loan process day to day and is licensed in NC, SC, TN, and FL to help with second homes and investment properties.
Angela has managed and owned more than 100 single-family homes and several commercial buildings, and holds leadership training certifications, including a Master Graduate award in 2000.
Bradley Roche
Mortgage Planner
NMLS 2382170

Third generation in the family business, Bradley originates in the Charleston area and leads new member sales for Mortgage Planner Coaching.

More about Bradley
Bradley has been around the mortgage business his whole life. He completed Rapport Leadership International training at just 14 and graduated from UNC Wilmington in 2021.
A competitive athlete with awards in powerlifting and CrossFit, he brings the same discipline and accountability to every client, and also leads sales, marketing, and member experience for Mortgage Planner Coaching.
Jacob Roche
Mortgage Planner
NMLS 2223194

Third generation on the team, Jacob manages partner relations and helps clients start the mortgage process.

More about Jacob
Jacob officially joined the team in June 2021 after graduating from UNC Wilmington in three years with a business degree concentrating in finance. He completed Rapport Leadership International training and the 79-hour real estate pre-licensing course.
Outside the office, you’ll find him on the basketball court, on the golf course, or cheering on the Hornets and Panthers.
Sarah Roche
Client concierge

Our client concierge, Sarah keeps every loan on track with regular updates and a passion for serving others.

More about Sarah
Sarah grew up in Peachtree City, Georgia, and attended Georgia College and State University before moving to Charlotte to join the mortgage industry.
Outside the office, she enjoys cooking, staying active, and spending time with friends and family.
Joe Hudson
Mortgage Planner
NMLS 2335373

A Charlotte native, Joe returned home after earning his business finance degree at UNC Wilmington to join the Element Home Loans family.

More about Joe
At UNCW he served as recruitment chairman and vice president of his fraternity chapter and attended multiple leadership conventions.
When he’s not working, Joe is at the gym, watching the Hornets, or rooting for the Arizona Wildcats.