Our Why? Ethos - "the character of a person or group as manifested in their beliefs, aspirations, and actions." Ethos is the "Why" of what we do. Strong families build strong communities. Too often, money gets in the way of families and their chances to spend time together. We want to fix that. We empower people to take back control of their money, and give them the confidence to live life on their terms. This makes them strong, #MoneyStrong. How? We are a holistic financial firm. We take a fiduciary responsibility for our clients; this means we always do what is in our clients' best interests in all situations; we do everything we do with 100% honesty and integrity. My primary focus is home mortgages. The biggest investment a family will make, whether it is a purchase or a refinance. We take complex financial (and therefore emotional) situations, and simplify them. We create written plans that our clients follow to success. What? Home Mortgages: Conventional (Fannie Mae and Freddie Mac), FHA, VA, USDA, construction. Specialty loans include: 1% down conventional loan; less than 20% down with no MI; HomeReady and HomePossible; 40 year amortization due in 30; non-QM loans. We pride ourselves in full disclosure of fees, including our compensation, and NO JUNK FEES. EVER! And, being a wholesale mortgage broker, we have the lowest rates in the industry. Our loan process is automated, making them quick, easy, and cost effective! We always educate as we go and make sure we provide the right fit and value to every client.