As an Upfront Mortgage Broker ^_® (UMB), we conduct our business in an upfront and transparent way to make the loan experience a positive one. We will disclose our fees to you in advance and in writing, and disclose the wholesale prices (rates and points) passed through from lenders. We guarantee the wholesale rate and our broker fee in writing. 

We shop from various lenders and receive their wholesale rate. We pass the wholesale rate on to you, our customer. Retail lenders do not pass on their wholesale rate directly to the customer; therefore, the customer contends with higher rates - part of which is derived from the overhead of running a larger business.

There are a vast number of mortgage loan programs offered. It is a daunting task for an individual to determine which direction to choose. This is where we can help. We go over the type of loan you want, your future plans and financial information, and research the best loan program.   

Experience, Integrity and Trustworthiness....

Above all else, experience, integrity and trustworthiness are the most important qualities we can give to our customers. The lowest rate and best fitting loan program are very important to the financial well-being of your loan. Your ability to trust us as we handle your loan is equally important, if not more so.

How The UMB Process Works

1. We discuss the program, rates and fees.
2. We discuss the Good Faith Estimate, answering any questions you might have. 
3. We will sign an agreement guaranteeing all the previously agreed upon broker fees will stay the same.
4. When it’s time to lock your rate, we go over which rate or fee choice is best for your needs.
   

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