1. Quick approvals and/or denials. Our experienced underwriters will look at your loan and give you quick answers-no long waiting periods!

2. Experience, Our underwriters have done thousands of residential loans and actually will work with you to structure the loan for maximum approval. Often, just structuring the deal differently or adding back a one time item and pointing it out can get a deal that has been denied approved. Or get you more favorable terms.

3. Pre-Approval vs Pre-Qualification Taking time time to fully underwrite your loan before you go shopping for a house gives you the confidence that there will be no suprises at closing.

4. The TRUTH about your loan spelled out to you in plain English the exact rates and points and terms that you qualify for. We will collect a small upfront deposit but we GUARANTEE those exact terms or you are entitled to your money back. With us, you will only pay if we get you the best deal at the terms you have accepted! No strings or hassles-the way it should be.

5. Status updates Every Friday (or at least weekly) we will update you as to the status of your loan. No more waiting for an answer because a loan is in "Underwriting". You'll always know where you stand.

In addition, because we have access to both local banks , large nationwide lenders, and Wall Street money, we can almost always give you the best total terms available. Payments on our loan products can be thousands less over the term of your loan than on deals from your local bank. And our products will more closely match your needs.

We ask only 3 things from you (here is the catch):

1. Honesty. Let us know about the "issue" that might kill the loan up front. Chances are we can work around it given time, it will ultimately be found out and if that happens just before closing the deal dies.

2. The faster we receive it, the faster we can get you funded. Help us by getting our required documents in a timely fashion. We never ask for documentation that is not absolutely necessary to close your loan.

3. Agree to provide two introductions to us. By having you tell others about us we can spend less time marketing and more time closing your loan.

Together, we can make your home loan process a smooth one.