Many people have asked how our rates can be so competitive. The answer is pretty simple. We do not employ commissioned loan officers, and we do not have the many layers of management of larger companies. We take our low overhead and pass that savings on to you. These are two good reasons why our rates and fees are less expensive. Another and perhaps the biggest reason is that over 85% of our business comes from referrals and repeat customers. We do not have to pay thousands of dollars that many companies spend on advertising. We have been on the internet since 1997 and during that time we have seen many companies come and go. And yet we are still here. Our posted rates are the same on all the web sites in which we participate. We try and give you all the facts up front so you can make an intelligent decision.

We specialize in serving Arizona, Colorado, New Mexico, Oregon, Utah, Washington, and Wyoming borrowers. We urge you to compare our rates and fees to others. There are no origination fees. Our most popular option is our no origination, no discount points loan.