We are an Independent Mortgage Broker and the way we are different than your local bank, big retail lenders or credit union starts with our pricing but the reason why we will earn your business not only for your next mortgage but every mortgage after that is our service, process and expertise. When we review your current mortgage or a mortgage for new purchase we are going to discuss everything from your current income, to your future income, retirement goals and plans, retirement actions and your overall financial picture to make sure we find the right mortgage product specific to your situation to help you stay on track with all of your goals and dreams. A mortgage is so much more than just a 30 year fixed rate loan, it is a financial tool that can be used in thousands of different combinations. Most originators keep it simple to a single transaction and most clients don't think twice about their mortgage or understand a lot about it. We take the time to learn about you and your goals and also take the time to explain to you how a mortgages work so you have the confidence to pick the right mortgage product for your situation. That is the value we provide that keeps you coming back to us as well as referring us to your friends and family!