My Commitment
 

1. I will act in the best interests of my
    client at all times.

2. I will establish the compensation for
    services upfront, in writing, based on
    the information my client provides. The
    price will be a percentage of the loan.

    The compensation will cover all the
    services provided. I also provide
    accurate estimates of the costs
    incurred by third parties (title,
    appraisal, government recording, etc.)
    and will provide invoices to my client
    for those services    

3. Any funds received from third
    parties (i.e. Service Release Premium)
    that are above my compensation will
    be credited to my client to reduce their
    costs.  For example, if my
    compensation is 0.001 (1%) and the
    Service Release Premium is 0.00137
    (1.37%) the 0.00037 (0.37%) will be
    credited to my client to reduce costs.

4. At the direction of my client, once the
    lock requirements are met (executed
    purchase agreement if applicable,
    signed application and supporting
    documentation) I will lock the terms of
    the transaction (rate, costs, term, etc.)
    and provide a copy of the lock
    confirmation to varify terms and
    compensation.

5. If a client elects to "float" the rate, I
    will provide my client with the best
    wholesale rate available at the time
    they elect to lock.