We pride ourselves on having some of the most competitive rates in the country, and the ABSOLUTE best service in our industry. Due to the high volume we originate we're able to offer lower rates, and as a company we keep our costs and overhead as low as possible by eliminating unnecessary national marketing expenses. This savings allows us to make less per loan, passing our savings along to our customers. And by being a direct lender, it means we have less hassles and fewer frustrations than other lenders. We have a 'client for life' approach, which means we not only work to make you happy today, but also to make sure you come back to us when you purchase or refinance the next time. That's what we've built our business on