EXPERIENCE & HONESTY. REDUCE LENDERS TIME,EFFORTS & COSTS. PRIMARY & SECONDARY MORTGAGES. MORTGAGES REFINANCING. FHA/RHS CERTIFIED. EMPLOYEE RELOCATION. PRIVATE MORTGAGE INSURANCE REMOVAL. ESTATE PLANNING. DIVORCE SETTLEMENT. COMPETITIVE RATES, SHORT TURN-AROUND, HIGHEST QUALITY APPRAISAL REPORTS, ON-LINE STATUS REPORTS, COMPETITIVE PRICING.