Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. More Importantly, our main niche is to provide mortgage loans with no out of pocket closing costs for the borrower. Borrower only pays his escrow amounts for property taxes and insurance when applicable. We use lender credits to compensate with closing costs so that borrower can avoid paying out of his pocket.