Attention Kentucky & Indiana homebuyers still waiting for rates to drop...
Close On Your Dream Home In As Little As 2 To 3 Weeks At The Best Rate You Qualify For, Without Wasting Another Month Paying Rent While Home Prices Keep Climbing.
Even if you're worried about what you can actually afford, or even if you've been rejected by a bank before.
What Other Happy People Are Saying
"Richard and his team are amazing to work with! They answer any and all questions you may have. They go above and beyond for you, and they don't just stop once you sign the loan documents. They check in after to make sure your new home is doing well! I can't thank or recommend him and his staff enough for everything they do and did for my family!"
- Alexandra S.
"Richard and his Team are beyond amazing. If you got a dream of buying a home they will get you there. Highly recommend"
- Mallory G.
In This Free Call, You Will Discover
The best mortgage your score qualifies for
A 30-day fast-track home purchase checklist
Non-QM options for self-employed borrowers
Veteran & first responder appraisal fee coverage
Whether buying now or waiting saves you more
What We’ll Cover On The Call
The best mortgage product your financial profile qualifies for across multiple wholesale lenders under one roof
A 30-day fast-track checklist to get you home-purchase ready in 2 to 3 weeks
Non-QM loan options for self-employed borrowers, 1099 earners, and investors that banks turn away
Free appraisal fee coverage for veterans and first responders (a $500 plus value)
Whether buying now or waiting a few months makes more sense for YOUR specific numbers
How to structure your loan to pay it down years faster, starting on day one
Direct answers from the broker himself, without call centers or a rotating team
Why Get This Now
The Best Mortgage Product Your financial profile Qualifies For
I shop multiple wholesale lenders under one roof, so you get the best rate and program combination without filling out five separate applications or taking multiple score pulls. One conversation. One file. One broker on your side.
A 30-Day Fast-Track Home Purchase Plan
Every buyer who books a call with me gets a 30-day checklist tailored to their situation, laying out exactly what to prepare, what to line up, and when. That's why I can close most files in as little as 2 to 3 weeks instead of dragging them out for 6 to 8 as the big banks do.
The Miyagi Approach To Owning Your Home Sooner
I don't just close loans and move on. I teach my borrowers how mortgages actually work... from principal vs. interest to cost-of-waiting analysis... so they can pay their home off years faster and keep more of their own money in their pocket.
Meet Richard Dixon
The Mr. Miyagi of Mortgages
Owner & Mortgage Broker, Mortgancial Planner, Dual-Licensed In Kentucky And Indiana.
Hi, I'm Richard Dixon, owner of Mortgancial Planner and a dual-licensed mortgage broker in Kentucky and Indiana.
In 31 years of brokering home loans across both states, I've been the loan officer and the business owner the entire time, closing files through every rate cycle from double digits and back.
My customers gave me a nickname over the years... they call me the Miyagi of Mortgages, because I don't just close loans, I teach them how the whole game actually works.
Most loan officers hand you a rate, sign the paperwork, and send you on your way.
That's not how I built my practice.
I shop multiple wholesale lenders under one roof, so you get the best product your financial profile qualifies for. I sit down and walk you through what your payment actually does for the next 30 years...
How much goes to your home, how much goes to the bank, and how to flip that ratio in your favor.
And because I'm the owner, I'm not trying to make 15K on a 300K loan the way big-bank loan officers do.
My mission is simple.
I'm an immigrant who built wealth in this country, and it always bothered me that everyday buyers weren't being taught what wealthy clients get from their attorneys, CPAs, and advisors.
I built Mortgancial Planner to close that information gap.
Every borrower who works with me leaves the process of understanding their mortgage, not just signing it.
That's why, 31 years in, I'm still financing my original customers' kids.
31 Years Brokering Home Loans
Three decades closing loans across Kentucky and Indiana. Through every market, every rate cycle, and every wave of regulation. I know the game, I know what's actually a good deal, and I know exactly how to spot when it isn't.
Dual-Licensed IN + KY
One broker for the entire Louisville metro area. Whether the right home ends up on the Kentucky side or the Indiana side of the river, you keep the same file, the same broker, and the same relationship. Zero handoffs.
Owner AND Loan Officer
I own the business, and I'm your loan officer. Only one person has to get paid, which means no branch overhead, no marketing budget, and no CEO's salary baked into your quote. That's why my rates come in lower than the big banks can match.
Get The Best Rate Your Financial Profile Qualifies For, Or I'll Tell You Yours Is Already Solid. Either Way, You Walk Away Ahead.
I've built my 31-year practice on being the broker who tells buyers the truth even when it costs me business.
I shop multiple lenders. I teach you how the loan actually works.
And I'll even tell you to compare me against the competition before signing anything.
90% of the people I say that to still come back. Book your free consultation now and find out why.
Frequently Asked Questions
1. Is this call really free?
Yes. It's a consultation, no cost, no obligation, and zero pressure to work with me afterward. If I'm not the right fit for your situation, I'll say so straight up and point you in the right direction.
2. Do I need to know exactly what I want before I book?
Not at all. Whether you're pre-approved somewhere else and want a second opinion, just starting to think about buying, or trying to figure out if refinancing makes sense, the call is built to give you clarity on your best move.
3. What if my score isn't perfect?
I work with the best product your financial profile qualifies for right now. I don't do score repair or financial profile coaching, but I can show you what's realistically available for your current profile, including non-QM options big banks won't touch.
4. I'm self-employed or paid on 1099. Can you still help?
Yes. This is where I shine. I have access to non-QM loan products (bank statement loans, DSCR investor loans, and more) built specifically for borrowers with non-traditional income who big banks typically decline.
5. How fast can you close a loan?
Most of my mortgage transactions close within 2 to 3 weeks, no longer than 30 days from a complete application. Non-QM files sometimes run a bit longer, but I'll give you a realistic timeline on the call.
6. Are you licensed in my state?
I'm licensed in Kentucky and Indiana. If you're outside those two states, I'll point you toward a broker I trust, but I can't personally handle your file.
7. Do you offer anything for veterans or first responders?
Yes. If you're a veteran or first responder and you close a loan with me, I personally cover your appraisal fee (a $500 plus value). It's my way of saying thank you to the people who don't get thanked enough.
