I have been helping families relaize their dream of home ownership for over 15 years.  I have worked my way through the mortgage industry to acheive my goal of opertating my own mortgage company.  Not as a broker, but as a lender with full authority to approve your loan.  We have in house underwriting and processing.  What does this mean to you as a client answers to your question in a timely manner.  Through my experinece I have created an enviroment that should be a model for other companies to follow.  That has been my goal from the beginning.