Wellness • Wealth • Community One San Diego team for your mortgage, real estate, and life insurance Park Place Collective is a boutique firm built on a simple idea. The decisions that shape a family's home, its investments, and its future protection all belong in one trusted place, guided by people who know your whole picture.

Led by founder and CEO Joe Costa and his wife and Marni Costa, with more than 36 years in real estate, lending, and insurance. Headquartered in downtown San Diego and licensed across California, Arizona, and Colorado.

The Park Place Collective difference

Most people are sent from one office to the next. A lender here, an agent there, an insurance call somewhere else, and nobody connecting the dots. We built the firm to remove those seams.

Park Place Collective is an integrated firm. That means mortgage lending, real estate, and life insurance live under one roof, served by one coordinated team that talks to each other and to you. When your loan officer, your agent, and your protection planner share the same goals and the same information, the process gets faster, cleaner, and far less stressful.

This is the heart of our Suite of Services model, and it is what sets a boutique collective apart from a transaction mill. We are not here to close one file and move on. We are here to help you build and protect wealth over the long term, with advice that fits your life rather than a single product line.

Our brand stands on three words. Wellness, Wealth, and Community. Wellness, because financial calm is part of a healthy life. Wealth, because real estate remains one of the most reliable ways to grow it. Community, because we measure success by the relationships that last well beyond closing day.


The services we offer

Four connected pillars, designed to work together so a single conversation can move several parts of your plan forward at once.

Mortgage Lending

Purchase, refinance, and equity financing across a full menu of loan programs. As a broker, the Park Place Collective Team shops a wide network of wholesale lenders to find pricing and structure that fit you, rather than fitting you to one bank.

Real Estate

Licensed representation for buyers and sellers. Because the same team also handles your financing, your offer is backed by a clear preapproval and a closing timeline everyone already understands.

Life Insurance

Protection planning that makes sure the home you worked for stays in the family. We align coverage with your mortgage and your wider goals so the plan holds together as life changes.

Wellness and Community

A point of view shaped by years of leading premium group fitness. We believe financial wellbeing and personal wellbeing belong in the same conversation, and we treat clients like neighbors, not numbers.


A complete loan product menu

Whether you are buying your first home, financing a high value property, or growing a portfolio, the right program almost always exists. The work is matching it to you.

Everyday and Government

  • Conventional
  • FHA
  • VA
  • USDA
  • First time buyer programs

High Value and Flexible

  • Jumbo and super jumbo
  • Non QM, the non qualified mortgage path
  • Bank statement
  • 1099 income programs
  • Doctor and professional loans

Investor and Specialty

  • DSCR for rental income
  • Fix and flip
  • Bridge financing
  • Construction to permanent

Life Stage and Cross Border

  • Reverse mortgage, including HECM
  • ITIN
  • Foreign national
  • Mexico financing

One team. One plan. Every part of your home and wealth picture talking to every other part.

The Park Place Collective Way

Let us help you!

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