Credit Reward$ Mortgage is                different... How do we do it?

We have the Lowest Possible Rates:
Credit Rewards Mortgage quotes rates without any margin, profit, discount points, or yield spread…just the lowest true par rate.  Most lenders add one or more of the above to the rate resulting in the borrower paying a premium for the loan on a percentage basis.  This results in a higher loan amount mortgage yielding a proportionately higher revenue or profit for the same process performed on a lower loan amount mortgage.  Our rate philosophy provides the same low rate for all loan amounts with a simple flat fee charged for the entire loan process.

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We only charge one Flat Fee:
Rather than nickle and dime borrowers with a myriad of fees, Credit Rewards Mortgage charges one fee of $995 for the entire mortgage process.  Closing costs and fees should be fully disclosed and determined by the process performed rather than be a source of add-ons and mystery.  Credit Rewards Mortgage passes on only what providers (appraisers, credit bureaus, etc.) actually charge for their services with no add-ons.  Other lender fees such as document preparation, commitment, processing, and many others that are commonly found on good faith estimates and closing statements often cause confusion and mystery in the mortgage process.  Credit Rewards Mortgage eliminates the confusion and mystery by charging only one flat fee for all services.

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We pass the Savings on to You:
Through a combination of a highly streamlined process and partnerships with the major lenders in the mortgage industry, we are able to offer qualified borrowers with good credit the absolute lowest rates, a fast and hassle free process, limited or no documentation requirements, true provider fees with no mark-ups, and most importantly…Credit Rewards Mortgage charges a flat fee for the entire process of originating, processing, closing and placing the mortgage, regardless of loan amount.