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Our business model is based on a By Referral Only® platform where the majority of our clients are introduced to us by friends, family members, current and past customers as well many financial services professionals. We Consult - Our relationship starts with an in-depth consultation where we will ask the questions that most mortgage lenders will never take the risk in asking.  This is the only way to keep your decisions concerning the new mortgage within the context of your larger wealth plan.  We Negotiate - The mortgage is NOT a "one size fits all" decision.  It is our job to help negotiate the best rate/down payment/transaction cost scenario for YOU.  We treat your money as if it were ours and will fight hard for you like a Pitt Bull.  We Oversee the Transaction Details - Our team of professionals and a select few vendors will help move you through the loan process from start to finish.  Fast Loan Decision - In most cases, you'll have your Loan Decision with 72 hours.  This will ease your personal stress by moving through the process quickly and allow you to focus on the next step.  A Promise is a Promise - If we don't deliver a Five-Star Experience then we'll pay you $500.  That's how sure we are that your will only experience the very best from us.  It's about fulfilling a dream.   After you close, if you believe we did not provide you with a Five-Star Experience, simply contact our customer service department, provide your feedback, and claim your $500.  It's that simple.Our goal - To deliver the best mortgage experience you have ever had, from start to finish.  To create a perfect mortgage plan to help you reach your long and short term financial goals.  To act as your Trusted Advisor who will always have your best interest at heart.