When the internet first became a tool for the mortgage business, we like a lot of mortgage companies, derived a significant portion of our business from web based requests.  In the last 4 or 5 years - it has slowed to a trickle.  Why?

BECAUSE WE ARE HONEST!!!!

You know how Wal-Mart can buy a billion bicycles and then offer them for sale cheaper than the local Mom and Pop hardware store can buy them for?  This concept does not exist in the mortgage business.   The bottom line is that most conventional mortgages are originated with the ultimate goal of them being sold as part of mortgage backed securities to FannieMae or Freddie Mac.  Therefore, Bank America cannot get a better deal than we can.  In fact, as we have lower overhead, we can usually offer a better deal than most of the national banks.  When someone offers a rate that appears way below the rest of the market - it isn’t there.  They are either doing a bait and switch or loading up on costs to make up for the lower rate.  Even if they say “No Points” - they can be charging origination fees, mortgage broker fees etc.  You need to get a Good Faith Estimate emailed to you.  Do not look at title charges or escrows charges - everyone is guessing and the bottom line is they will be precisely the same no matter which lender you choose.  We always send out GFE’s whenever asked - and that is 24/7. 

Anyway - we have been in business for close to 20 years - we have never had a complaint lodged against us.  What you see is what you get.  Fill out the Quick Quote form - we won’t pull your credit - we won’t call you - we will simply email you a GFE for you to compare.  Hey - can’t hurt!