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Our experience has taught us what visitors are looking for in a mortgage web site. Mainly, more substance and less smoke and mirrors. That is why we give you rates, monthly payments, APR's and closing costs without making you jump through hoops to get them. We also want to give you great service, but we want to give you a great mortgage rate first. Then, you will want to give us that opportunity. Our philosophy is Keep it Simple. You will not find endless links of confusing information here, such as: What house is right for you When is the right time to buy Useless free reports to extract your contact information Huge glossaries of terms that most mortgage professionals don't understand the half of 10+ calculators that can calculate everything from your mortgage, to how much money your groceries cost per month. However, they don't give you the rate and closing cost information necessary to calculate an accurate payment. Links to friends websites such as a plumber they know Schools in the area Even worse, some mortgage companies offer sweepstakes on their websites. To us, keeping it simple means giving you the information you came for. Just enter your loan amount (see Step One on the right) and you will see many different loan program options, along with rates, APR's, monthly payments and closing costs for each. No calculator is necessary, it does the calculations for you. This is done without you entering your contact information first. We want you to contact us because we have the most competitive rates. So if you are looking for a plumber or a good school, visit our competitor's web sites. If you want to know how much your mortgage payment is going to be, stay right here. Who can we help, anyone who needs a mortgage for a home. Whether it is a purchase or refinance we can help, even if your credit is not perfect. If your credit is imperfect, your rate may differ slightly then what is shown. The difference will depend on how blemished it is. Unfortunately, it is almost impossible to quote an accurate rate online for imperfect credit. The reason is, more things are looked at with imperfect credit. Therefore, it is necessary to go through underwriting to get an accurate rate. If you have imperfect credit, go through the steps, (see Step One on the right) but remember that your rate could vary from the rate given. But rest assured, we will get you the lowest rate based on your credit. The bottom line is, we keep it simple and we treat all of our customers professionally and with respect.