A partner page for real estate professionals
Why this exists
Winning in this market takes speed, strategy, and a lending partner who can remove friction—not add it. Joe Costa and Park Place Collective plug into your listing and buyer workflows to sharpen pricing, strengthen offers, and simplify escrow so you close more, faster.
Our Promise to You
- Aggressive, transparent pricing: We price files upfront so you can make stronger offers with confidence.
- Low-touch escrow: Our servicing playbook minimizes lender touches so your client isn’t overwhelmed.
- Direct access: You and your clients get Joe’s cell—fast answers, fast docs, fast decisions.
- Creative solutions: From jumbo and VA to portfolio programs (income stacking, pledged assets, asset depletion, asset qualifier), we meet real-world scenarios with real options.
How We Help You Win (Listings & Buyers)
For Your Listings (Seller Strategy)
- Payment-focused marketing sheets: Show buyers realistic monthly payments at several rate scenarios (incl. buydowns).
- 2/1 & 3/2/1 Buydown Structuring: We model seller credits vs. price drops to boost net proceeds and buyer affordability.
- Bridge Loan Options: Help contingent buyers move now—your listing looks safer and sells faster.
- On-call Lender at Open Houses: We pre-qual onsite/virtual and text you approvals before visitors leave.
- Property-Specific Financing Flyers: Co-branded PDFs with QR to instant pre-qual.
- Weekly Deal Desk: We review live interest, fine-tune price/credit strategy, and push momentum.
For Your Buyers (Offer Strategy)
- Upfront Pricing & Scenario Runs: We price before you write so you can tailor terms, credits, and buydowns.
- TBD Underwriting & Income Strategy: We pre-underwrite complex files (self-employed, multiple streams) using tools like income stacking and asset-based qualifying.
- Appraisal-Gap & Cash-to-Close Planning: We map funds, credits, and rate-cost trade-offs so you write stronger, safer offers.
- Speed Docs: Approval letters customized to each offer (price, property, timeline) in minutes.
- VA & Jumbo Expertise: Zero-down VA strategies and high-balance jumbo with competitive terms.
The Product, Pricing & Servicing Plan
(The engine behind “Let’s Win More Deals”)
- Product – Conventional, Government (FHA/VA), Jumbo, Bridge, and portfolio solutions:
- Income Stacking
- Asset Depletion
- Pledged Asset Loans
- Asset Qualifier / Bank Statement Options
- Pricing – We run multiple executions upfront (points vs. credits) to match your client’s priorities: lowest cash-to-close, lowest payment, or fastest close.
- Servicing – A low-touch, white-glove process with proactive status updates, milestone texts, and one consolidated document ask. Fewer lender pings = happier clients and smoother escrows.
What It’s Like to Work With Us
Step 1: Deal Desk Call (15 min)
Bring your listing or buyer scenario. We price, map credits/buydowns, and set the close plan.
Step 2: Pre-Underwrite / Proof Package
We build a file that wins: DU/LP findings, income game plan, and a clean approval letter.
Step 3: Offer Execution & Seller Narrative
We arm your offer with financing strength notes sellers love (funds mapped, appraisal plan, timelines).
Step 4: Low-Touch Escrow
Weekly milestones, fast conditions, remote e-close options where available.
Tools You Can Use Today
- Co-branded payment flyers for any listing
- One-sheet buyer offer strength letter
- 2/1 Buydown calculators (seller-paid vs. lender-paid)
- Bridge loan explainer for contingent buyers
- Open house QR pre-qual funnel
Proof & Outcomes
- Faster answers = stronger, cleaner offers
- Fewer lender touches = less buyer fatigue
- Smarter pricing = higher acceptance rates
- Creative structuring = more feasible deals for complex earners
FAQs
Can you help before my client is fully ready?
Yes—TBD approvals and income strategy sessions are part of our process.
Do you handle self-employed or complex income?
Every day. We leverage income stacking, asset depletion, pledged assets, and bank statement options.
Can you present at my listing appointment or open house?
Absolutely—live or virtual. We’ll bring payment scenarios and a financing strategy tailored to the property.
How fast can you issue approval letters?
Minutes, once we’ve run pricing and verified key docs.
Let’s Win More Deals—Starting Now
Agents: Send a scenario or request co-branded materials.
- Call/Text: 646-245-7856
- Email: jcosta@parkplace
- Office: 402 West Broadway, Suite 400, San Diego, CA 92101
Prefer a quick start? Message us: “Deal Desk” + your scenario (price, down, target payment/close).
Compliance & Licensing
Joe Costa NMLS #1113396
Park Place Collective NMLS #2571108
Licensed in applicable states. All loans subject to credit approval and underwriting guidelines. Equal Housing Lender.
