So You Want To Beat The Banks ?

It's simple: click on any of the banks listed to the right and we will package your mortgage with that bank according to the mortgage program of your choice - but we'll beat their published rate by .250% and won't charge you any more than the fees that particular bank normally charges. Click on the bank of your choice to get started.

How can we do this? As a broker and Correspondent Lender to some these major banks we are authorized to package and underwrite mortgages according to their guidelines---and the reason we are able to do it for less is this:

Banks spend a tremendous amount of money on advertising and services that aren't as profitable to them as mortgages. They offer brokerages the ability to secure mortgages with lower rates because these 'operating costs' that are built in to their own mortgages don't apply to mortgages obtained through brokerages, whom do their own advertising and preparation of mortgage paperwork. In addition, brokerages bring a large amount of business to these banks and with out the ablility to offer a noticeable advantage many people would not use a brokerage (and ultimately a loan packaged by a brokerage would end up with that bank anyways, so they would rather build positive relationships with their favored brokerages.)

So you want to Beat The Banks? Select the bank of your choice from the menu to your right and you're on your way...

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Or you can skip over the online application and speak with a specialist immediately by calling this number toll free:

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Important Disclaimer: We are not Chase Bank nor are we a direct affiliate of Chase Bank or any of its subsidiaries. We are a mortgage brokerage that is licensed appropriately in our states of business and are duly approved to broker loans to Chase Bank.

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Because The Banks Can Be Beaten<

Use our Mortgage Calculator with Taxes and Insurance | Current vs New Offer | Compare Up To 4 Offers
Your source for low mortgage rates. We guarantee to beat the published Bankruptcy rate of any of the Banks listed below by at least .25% with out charging any more than the bankruptcy fees charged by that particular bank.
Read More Ameriquest Bank of America Chase GMAC Greenpoint National City New Century Option One Regions Bank SunTrust Wachovia Washington Mutual Wells Fargo World Savings Bank US Bank

Below you will find a list of common loan programs. Follow the link of a given program to read detailed explanations about that type of mortgage.

As well, you will find a Mortgage Glossary located in the bottom section of this page.

• Fixed Rate Mortgage - What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage?
• Adjustable Rate Mortgage - Also known as ARM's or Variable Rate Mortgage. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR
• Balloon Mortgage - What is a Balloon Morgage? When would it make sense for you?
• Home Equity Loan - 2nd Mortgage - Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you
• FHA - VA Mortgage - Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs
• Documentation Options - What are the differences between Full Documentation (Full Doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?

We'll Help You Beat The Banks!