How Can You Beat The Banks?

It's simple: all you need to do is click on any of the well-known banks we've listed on this page and fill out our Quick Contact Form at the top of the page. We will then underwrite your loan according to the guidelines of the bank you have selected. However, there will be a major difference between the loan we underwrite and that which you would receive from the bank because we guarantee to beat the published interest rate of the bank you've selected by at least .25%. What's just as important is that we will do this with out charging any more in fees than would be charged by your selected bank. So choose your bank, request your refiance terms and we'll help you Beat The Banks!

Is This Even Possible? As a 'Correspondent Lender' to major banks we are authorized by these banks to underwrite loans according to their guidelines. Additionally we are given the authority to provide these refiance programs at wholesale rates. For more information about wholesale refiance rates read the information provided below the list of banks.

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     Use This Menu To Select Your Bank...and Get Started!

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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.

American First
is a credit union that makes available a variety of lending products...Read More

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.

Barclays Bank
is a major international financial services provider and currently ranks as about the eighteenth largest company in the world...Read More

Capital One
is a Virginia based bank that provides services for credit cards, savings, banking, home and auto loans...Read More

Charter One
was recently acquired by Citizens Financial Group which started out in Rhode Island...Read More

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.

Chevy Chase Bank
is a federally chartered thrift with more than 250 branches in the Eastern United States...Read More

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

Citizens Bank
is a Rhode Island company that began in Providence in 1828...Read More

Commonwealth Bank
began operating in 1912 and is one of Australia's largest banks...Read More

Compass Bank
is a sun-belt based financial insitution operating 420 offices with over 100,000 employees...Read More

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

Deutsche Bank
is a world-wide bank that was founded in Germany in 1870...Read More

Fifth Third Bank
is an Ohio-based bank with origins dating back to the merger of Fifth International Bank and Third International Bank...Read More

First National Bank
based in Omaha this financial institution operates over twenty branches...Read More

First Premier Bank
is a South Dakota based institution with about 3,000 employees...Read More

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

Household Bank
is a well known international financial corporation with operations that include mortgages, secured loans, auto loans, personal noncredit loans...Read More

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.

Huntington Bank
is the 24th largest bank in the nation and is headquartered in Columbus, Ohio...Read More

Indymac
is presently the seventh largest Savings & Loan institution in the country...Read More

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.

Key Bank
is a Fortune 500 bank with over 18,000 employees and nearly 1,000 branches across 13 states...Read More

LaSalle Bank
is a bank headquartered in Chicago and claims assets of over 100 billion dollars...Read More

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.

Orchard Bank
has recently become a part of HSBC which is a major international bank...Read More

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.

Scotia Bank
is leading North American Bank and Canada's most international financial institution...Read More

Sovereign Bank
provides banking and insurance services and ranks as the 19th largest financial services institution in the country...Read More

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.

Union Bank
is in the top 25 banks in terms of size (in the U.S.) while operating over 300 branches in the western states...Read More

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 retail banks spend a large amount of money on services that aren't as profitable to them as mortgages (such as checking accounts and so on). Additionally, they have advertising expenses, costs related to renting retail spaces, etc. So when you secure a mortgage from a bank directly you are paying for all of the additional operating costs of a retail bank. These additional 'operating expenses' aren't incurred by loans secured from a Wholesale Lender such as us.

Furthermore, Correspondent Lenders & Brokers supply a huge amount of the mortgage volume funded by banks & with out the ability to offer a noticeable advantage customers would not use Correspondent Lenders (or brokers) to secure mortgages. 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 to our customers.