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Tom will consistently monitor his clients mortgage rates and programs for the life of the loan. If the current mortgage rate on a no closing cost program drops 1.5% less than their current rate, Tom will refinance Your mortgage with no closing costs and nothing added to your principal balance for the life of your loan..

EXAMPLE: A $200,000 loan balance on a 30 year fixed mortgage with a current interest rate of 5.5% would give you a principal and interest payment of $1,135.57. Take the same $200,000 mortgage balance at a rate of 5% on a no closing cost program, would give you a new principal and interest payment of $1,073.64 per month. A savings of $61.92 per month and overall savings of $22,291.20 over the life of the loan.

We DO NOT Make money based on the interest earned or accumulated every month......We generate our revenue based on the number of loans that we close on a weekly or monthly bases. Tom will continuously monitor his clients loan rates and programs, and reduce your rate of interest as many times as the market will allow. This is a huge part of our customer retention and one of the many reasons why Tom maintains a very high percentage of repeat and referral business. This is all based on the "CUSTOMER FOR LIFE" Philosophy.