We are committed to providing clients with the highest level of service, experience and expertise.

Brad has been The Mortgage Planner for over 30 years and continues to rank nationally for his teams sales volume.  He had the privilege of being a National Sales Trainer for 10 years, a Direct Endorsed Underwriter for HUD 10 years and a Licensed Real Estate Agent for 11 years.  He has several certifications in Leadership Training and was awarded a Master Graduate in 2000.  In addition, he has been the lead developer on multi-million dollar projects, in commercial & residential.  Recently, Brad has been approved as a certified class instructor with Central Piedmont Community College. They are the largest community college in the U.S.  In addition,  he is also the best selling author 3 times over sharing his mortgage, coaching and investment property knowledge in his books which are available on Amazon.  He has been in many articles and press releases for mortgage-related topics as shown below and noted as an expert in his field.

Jacob, has always had his part in the family business at a young age. He officially joined the team in June 2021. He graduated from the University of North Carolina - Wilmington within three years as the class of ‘21. While at UNCW, Jacob studied Business with a concentration in Finance. Jacob attended a leadership training development course called Rapport Leadership International to better his leadership and communication skills. In the summer of 2019, Jacob took the 79-hour pre-licensing course to further his knowledge in the real estate aspect. Jacob’s main responsibilities involve partnership relations, managing outbound leads, and help clients start the mortgage process. When Jacob isn’t in the office, you can find him playing basketball, on the golf course, or with friends and family! He enjoys watching most sports with his favorite being the Charlotte Hornets and Carolina Panthers.

Angela is Brad’s wife first and mortgage partner second in the business for over 30 years. She has covered all aspects of the lending business including processing, underwriting and closing role as well as ownership in various ventures. A big majority of her knowledge was from the underwriting side where she was DE HUD approved for over 10 years. She now assists our clients day to day working through the loan process and is licensed in NC, SC, TN and FL to help with clients second homes and investment opportunities. Angela has several certifications in Leadership Training and was awarded a master graduate in 2000. In addition, she has managed and owed over 100 single family homes not including several commercial buildings. Her vast knowledge helps our team with perfection to the lending process for our clients.

Brad Roche II, Brad’s son, has been around the mortgage business all his life! The Roche family has been in the mortgage business for now three generations. Brad has been involved in competitive sports, athletic competitions and gaining an edge through hard work and coached tactics to excel. He graduated from UNCW in 2021, after completing, at a young age of 14, Rapport Leadership Training International one of the highest level leadership trainings in the US. He has a passion for getting the best of out people and exceeding expecations they set. He has competed and received awards in Power Lifting and Crossfit competitions personally, but most enjoyable Brad has served many one on one clients in personal fitness training with accountability. He has joined The Mortgage Planner Coaching team and heads the new member sales team as well as sales/marketing management, member experience, and more.

Joe has been a Charlotte, North Carolina native for the past 12 years! After spending four years in Wilmington, NC to get his degree in Business Finance from the University of North Carolina - Wilmington, he returned to Charlotte to work with the Element Home Loan family. During his time at UNCW, he was an active member of the Greek Life community, where he was recruitment chairman and vice president of his fraternity chapter. He has been to multiple conventions where he improved his leadership and professional skills. When Joe is not at work, he likes to spend his free time going to the gym, watching the Charlotte Hornets, and rooting on the University of Arizona Wildcats!

Sarah Yoggy, is our client concierge at Element Home Loans. She is fresh to the city of Charlotte relocating from the Georgia area. She grew up just south of Atlanta in a small suburb called Peachtree City. Sarah lived in Milledgeville, GA throughout her college career where she attended Georgia College and State University. When the opportunity arose for Sarah to move to Charlotte and work in the mortgage industry, she was eager to be a part of the team!

With a passion for serving others and an eagerness to become a part of the fast-paced lending world, Sarah joined the Element Home Loans family and has never looked back. Outside of the office, Sarah enjoys cooking, staying active, and spending time with friends and family.

Brad has been involved in competitive sports, athletic competitions and gaining an edge through hard work and coached tactics to excel. He graduated from UNCW in 2021, after completing, at a young age of 14, Rapport Leadership Training International one of the highest level leadership trainings in the US. He has a passion for getting the best of out people and exceeding expecations they set. He has competed and received awards in Power Lifting and Crossfit competitions personally, but most enjoyable Brad has served many one on one clients in personal fitness training with accountability. He has joined The Mortgage Planner Coaching team and heads the new member sales team as well as sales/marketing management, member experience, and more.