Most mortgage websites are more of the same. Great rates, excellent service, automation, hopefully intelligent, engaging staff that has good advice, so how do you choose? A side effect of the pandemic has been lower mortgage rates. They have been falling slowly since the Federal Reserve first announced a drop in their interest rate from 2.25% down to just .25% on March 15th. They have since stated and reaffirmed that they will not raise the rate earlier than 2022. Rates will likely continue to fall. The question is when. Our answer is to send daily rate updates. Talk to 5 lenders today and one will be slightly less than the others. But if you’re not in a hurry, “ride the rates” with us and lock your loan when rates are lowest. The smart way to get a loan is to shop the industry, not the lenders. click here to find out more About Us changes when the industry and your requirements change. Keep an eye on this page. Refinance or Purchase, we have the right loan for you. Conventional, VA, FHA, USDA – Cash out, jumbo, investment, light commercial, fixed, ARMs, interest only, stated income, HECM (reverse mortgage), PPP loans.