If at any time you are unsatisfied with any of the following services from us, you need only notify us in writing and we will promptly refund any application fee, and if applicable, send your complete file to another lender.

We know that buying or refinancing a home can be stressful. You want to be sure you're getting the best combination of rates, points, and fees before you commit to a lender. But it's not always easy to tell if you're getting a good deal, or if your rate, points, and fees might change later in the loan process when it's too late to switch.

That is all why I am an original founding member of the Up-Front Mortgage Brokers Association!

We want you to make an informed decision when selecting a lender. That's why we have Up-Front Price Promise. It's our commitment to help you know where you stand from the beginning.

Our Up-Front Mortgage Lender Price and Service Promise:

We want your experience of selecting and obtaining a mortgage to be as simple and hassle-free as possible - with no unpleasant surprises. That's why we make the following promises to you:
 

1. You'll get an accurate rate and cost quote up front - and we will provide you with the following:
    

   • Real time decision on your loan request - Up-Front

   • A detailed written rate quote and Good Faith Estimate - Up-Front

   • Guaranteed in writing closing cost - Up-Front

    

2. Upon receiving a credit approval, you can lock in your interest rate, discount points, and we will Guarantee the costs. Because we are a direct lender, we handle the entire loan process from approval to closing. That means we can usually approve you within minutes without any middlemen.
    

3. While we have a web site, we are NOT an online lender. You'll receive the personal attention of a dedicated, highly skilled, and experienced Senior Loan Officer who will serve you during the entire process and provide you with proactive automated loan status reports which are also easily accessible online 24/7.

Furthermore Our Commitment as Mortgage Bankers also includes;

and

A) Call me before you lock in your rate with another company.   

1. Tell me that you have a better offer.

2. Provide a Good Faith Estimate and Truth-in-Lending statement from the other lender. It must be dated the same day as our offer, as rates change each day. It must indicate their name and address.

3. It must evidence interest rate, and discount points (if any).

4. Estimated closing costs must include all costs from all parties involved in the transaction, including escrows (if any). Nothing may be marked TBD (to be determined).

5. The loan with the other lender must be a 15, 20, or 30 year fixed interest rate, fully amortizing loan only.

6. You must qualify for the same or similar loan program offered by us.

B) After reviewing the competitions offer:

1. I must be allowed to match their interest rate, points, or closing costs combination, and beat their costs by $100.00.

2. If I can match & beat their offer by $100, but you don't close your loan with me, the $100 offer is null and void.

C) If I can't match or beat your other offer:

1.) Provide me your Rate Lock Confirmation showing:

• the date of your rate lock.

• interest rate and points you received.

• their Good Faith Estimate (GFE) and Truth-in-Lending Statement (TIL)

2.) I will keep this information on file.

3.) After your loan closes, the closing agent/title company must simply provide me your proof of closing (the HUD-1 Settlement Statement & Note) showing the better rate, points, and closing costs combination.

4) If at closing, they still beat my original offer, I will personally mail you a check for $250 from my own personal checking account! *

Unfortunately there are many unscrupulous lenders that try to hook customers with a low interest rates, and misleading closing costs - only to raise them later.  Lenders that practice bait and switch force us to verify that your rate, points, and closing costs at closing are the same as your initial offer that supposedly beat my offer. Bait and switch is an unethical practice of some lenders where they promise a low interest rate only to manipulate the situation, forcing you to take a higher rate, or pay undisclosed closing costs later  They are betting the customer would rather pay more than start the whole process over again.