Most banks and mortgage companies won't readily admit this, but they spend a lot of money on their big buildings and on layer after layer on executives and management. Our company is small and locally owned. We have branches offices in Utah and Oregon, but most of our Loan Officers work from home to cut down on overhead. This means we can charge less for our loans or offer lower rates that the competition just can't touch. And because we are family-owned, we don't have greedy execs that are taking a slice of the pie. Everyone in our company is committed to getting you the best deal. Don't believe me? Ask your bank for a Loan Estimate and then let me give you a second opinion. I bet I'll knock your socks off! We broker mortgages. A lot of people don't know what that means. In a nutshell, it means that we shop out the best rates, the fastest turn-around times, and the coolest loan programs from dozens of lenders. Because we have access to so many programs, there aren't many situations that we haven't already seen or can't finance. Sure, we mostly deal with conventional loans on residential purchases and refis, or provide government purchases and refinances (FHA, VA, USDA)... But we also can do construction loans, investment properties, tough to document loans, or lending for non-citizen residents. We are great at getting first time home-buyers into the home of their dreams. Give us a call if you have something outside the box and see if you can stump us.