In this intensely competitive market it has become ultra important to be able to differentiate oneself from the crowd. Even the most mundane tasks have offered the possibility of earning that extra edge. Although any competent bank or mortgage company can secure a mortgage for most customers, the manner in which it is done can offer you a substantial advantage or a devastating disappointment. Simply associating oneself with the right company/individual can improve your chances of earning extra goodwill on the part of the customer and other professionals involved in the transaction.

Specifically, how does this improve your business?

The illustration below outlines some of what we feel are the most apparent benefits you will receive by having us as your partner.

There are three main types of entities, which can currently provide mortgage services to you and your customer.

A+ Mortgage Services, Inc. - A Mortgage Banker able to self-fund loans:

1.	We make loan approval decisions based on criteria we establish!
2.	Our approvals are not subject to any oversight but our own!
3.	We back up our approvals with a $2,000 closing guarantee!
4.	Our commitment and loyalty to you drives our guidelines and policy!
5.	We can approve and close your loan in just hours if necessary!
6.	We’re able to help you secure lower cost peripheral services (title, legal, appraisal, inspection, etc.)! Try us, you’ll be surprised at the savings!
7.	We can often create a way around most technical underwriting challenges (i.e. source of funds to close, reserves, recent job changes, gift money, etc.) with no adverse effect on loan terms or cost!
8.	We bring the Money - No embarrassing waiting at close for a wire, funding authorization, document review, etc.!
9.	Ability to customize a loan just for you!
10.	Ability to sell your loan through multiple sources or keep it in-house in order to offer the best possible rate, terms and costs to every customer.

Depository institutions (Banks, Credit Unions, etc.):

1.	Limited by law in the type, number, and quality of transactions they must accept and decline. Their limitation is your disadvantage.
2.	You generally need to go through several layers of staff prior to finding a decision maker.
3.	Not personal or responsive
4.	You must fit their guidelines - Can’t tailor a custom program just for you.
5.	Higher rates

Mortgage Broker

1.	No control of the loan process beyond document collection.
2.	No legal ability to make loan approvals or commitments of any kind.
3.	No ability to control closing
4.	No authority to fund any loan
5.	Higher rates
6.	Limited in every way with the exception of rate shopping.
7.	No capacity to follow through on service or loan promises (as they are controlled by others).
8.	Completely dependent on the efficiency of (unknown) others.

As you can see Only A+ Mortgage Services, Inc. has the ability to cut through the limitations inherent within these other types of organizations. Our ability to self-fund the loans will offer you the advantage. Think of us as your personal resource in earning that extra edge. If your association with us will help to earn just a handful of extra customers this year we look at that as success. Through this advantage we are able to offer the combined services and benefits offered by these entities while minimizing the associated down side effects.

Beyond the administrative benefits illustrated above we offer a highly experienced and effective staff who are well versed in what it takes to keep things seamless and stress free during the entire process. Your customer will be asked to produce the bare minimum documentation required to complete their transaction and will receive prompt and courteous information throughout the process.