We are often asked how the rates and fees we secure from our lenders are not just lower, but often significantly lower than our competition. Some borrowers even initially dismiss them as impossibly low! The truth is the rates really are low. How do we do it?

Low Rates by Design
Our business model is the key...  instead of maintaining physical branches and call centers in cities across America, we strategically set out to use the internet as our 'Universal Branch'.

The Power of Internet Direct
This Universal Branch is supported by one Loan Center to handle all transactions.  The result is high volume combined with remarkably low overhead - with dramatic savings over other mortgage companies.  We pass these savings along to you in the form of very competative rates and fees.

Fee Guarantee
We stand behind our online quotes with our Fee Guarantee - our fees will not change once you request a rate lock so there are no surprises at closing.