Our Pledge To YOU!

I.  We will not disclose any of your personal information to any third party, unless such is required in the preparation of your loan request and only with your permission.

II.  We will at all times make a concerted effort to perform in your best interests throughout the loan process.

III. We will give accurate rate quotes to you based upon the information you provide to us.

IV. Should the rate change due to circumstances outside our control, we will inform you immediately of the change and provide the reason therefore, letting you know your options.

V.  We will provide you with an accurate estimate of fees (Good Faith Estimate = GFE) within 3 days of application.

VI. We will make every effort to not change our fees after the initial GFE is provided to you. This does not include 3rd party fees which are beyond our control. Should the fees change, we will provide full disclosure as to the reason for the change.

VII. We will tell you at application of the items required of you and will listen to your goals when helping you apply for you mortgage loan.

VIII. We also agree that we will charge no junk fees or pad our fees in any way. We will provide you with all invoices or proof of all third party fees.

IX. If we request any upfront fees, we agree that all such deposits shall be used to pay for 3rd party fees such as an appraisal or credit report and that any amounts remaining shall be credited to you at closing.

X. We will, at no time, coerce or steer you into a mortgage product or property that is not in your best interest based upon our experience and training as well as your wishes.  We will abide by all Federal Protections afforded to you.