Bank Morgage Rates For Less...Guaranteed

How Can We Help You 'Beat The Banks'?

It's easy: all you have to do is click on any of the well-known banks listed below and we will underwrite your morgage according to to that banks guidelines - but we guarantee that we will beat the published rate of that bank by at least .25% More importantly, we won't charge any more in fees than your selected bank normally charges. So pick your bank, choose your program and we'll help you Beat The Banks!

How is This Possible? As a 'Correspondent Lender' to major banks we are authorized to underwrite morgages according to the guidelines of these banks and are authorized to offer Wholesale Rates on these programs. The reason Wholesale Rates for these banks are less than what they offer their customers is this:

Select the bank of your choice from the menu below and Beat The Banks!

ABN Amro
This is one of the largest banks in Europe and is actually headquartered in the Netherlands. It concentrates heavily in the US and dates back to 1824.

Ameriquest
This 1979 founded company has been recognized as one of the leading SubPrime lenders in the nation in terms of loan volume.

Bank of America
Is recognized as the largest commerical bank in the Unided States and has an annual net income of about 5-6 billion dollars.

Chase
Is headquartered in New York and was formed by the merger of Bank of the Manhattan Company and Chase National Bank several decades ago.

Citimorgage
This is the lending arm of Citbank/Citigroup and is recognized as one of the biggest financial companies in the world today.

Countrywide
In terms of overall loan volume Countrywide is now the largest mortgage lender in the U.S.

Freedom Morgage
has all of the traditional lending programs and makes them available through wholesale and retail channels.

GMAC
Is the financial arm of General Mortors; today its operations have moved far beyond automotive financing and includes mortgage and insurance divisions.

HSBC
Is a well known international financial corporation headquartered in Hong Kong. Its operations vary from morgages, secured loans, auto loans, and personal noncredit loans to credit card services & Specialty Insurance.

ING Direct
formerly known as 'Internationale Nederlanden Groep', today ING is a global leader in international banking, asset management and insurance company while based in Netherlands.

National City Bank
Is considered to be the 9th largest bank in the United States and focuses most heavily in the MidWest.

Option One
Is a leading subprime lender known for offering a wide variety of loan programs to consumers with less-than-fair credit.

PNC Bank
This Pittspurgh PA headquartered bank is the residential lending arm of PNC Financial Services.

Regions Bank
Is an Alabama based bank providing retail and commercial banking, trust, mortgage and insurance products. It counts itself among the top 10 banks in the U.S. today.

Saxon Morgage
Is one of the few lending companies still offering true 'Subprime' product offerings through both retail and wholesale channels.

SunTrust Bank
Is an Atlanta, GA based bank with about 1,700 branches throughout the southeastern states and offers primarily retail and commercial banking services.

Wachovia
Is a financial services company that offers a range of banking and asset management services.

Washington Mutual
Is the largest Savings and Loan institution in the U.S. It operates over 2,600 branches primarily in the Western states.

Wells Fargo
This San Francisco based bank has a 150 year history and has over 6,000 branches with well over twenty million customers.

US Bank
Is the retail arm of US Bancorp and offers morgage services across the nation. Based on holdings it counts itself as the 6th largest bank in the country.

More Information: Traditional banks spend a substantial amount of money performing services that aren't nearly as profitable to them as morgages are (checking accounts, etc)...addditionally, they have advertising costs, expenses related to renting street-front retail spaces, and so on. So when you secure a loan from a bank directly you are paying for all of the additional operating costs a traditional bank has. These 'operating expenses' don't apply to loans secured from a Wholesale Lender.

On top of that, Correspondent Lenders and Brokers supply a huge amount of the loan volume funded by banks...and with out the ability to offer a noticeable advantage customers would not use Correspondent Lenders (or brokers) to secure loans. So ultimately it is in the banks best interest to build positive relationships with Correspondent Lenders and Brokers. The incentive to build positive relationships and the need to provide consumers with the motivation to use Correspondent Lenders results in permitting such lenders to access their Wholesale Rates...and these rates are what we in turn offer you.

Morgage Rates For Less Than All Major Banks...