Today's Rates
(Based on National Averages)

30 Yr Fixed	6.35%
15 Yr Fixed	5.92%
1 Year ARM	5.17%
Fed Reserve Prim	5.00%
30 Yr Treasury Bond	4.53%

>> Testimonials

It's always helpful to learn from another family's experience. I've shared below just a few of the wonderful comments we've received over time. I'd like to add your Success Story here, too!

BRANSON ENTERTAINER LOVES OUR SHOW... "You explained everything thoroughly that we would be going through AND that you would be doing for us. We appreciated your patience, effectiveness and honesty. You get Perfect 10's in all aspects." Brandon and Jessica Mabe, Nixa & lead performer in the Baldknobbers Jamboree

DEBT REDUCTION PLAN BEGINS... "You are AWESOME! I hope you have the most wonderful Thanksgiving ever... That's just a thanks from us for what all you have done to help us out. The thought of being out of debt in 10 years, possibly sooner seems like a fantasy. We have been married for 28 years and it's always been paycheck to paycheck. Can't thank you enough!" Gary and Amber Hamilton, Buffalo

WANTS TO BUY ME DINNER... "You are awesome. We have told many people how great our experience was. Thanks for everything - you are definitely the Best in the Business!" Ken and Karla Thrasher, Nixa

THE BEST EVER... "I've tried other mortgage companies and would not refer them to anyone. However, I have already referred you to EVERYONE! You truly are the best." Sean and Annette Erwin, Republic

COMING BACK AGAIN AND AGAIN... "You are simply The Best! I tell everybody at work, everybody at church, everybody at the store... EVERYBODY! After helping us 3 separate times, you are DEFINITELY our Lender For Life!" Jennifer and Brian Dierks, Buffalo

VETERAN & FIRST-TIME HOMEBUYER... "Your attention & detailed effort was suberb!" Bart Schudy, Springfield

IMPROVED FINANCIAL WORTH... "You helped us raise our financial standing so we could buy homes to fix up and sell or rent - making a huge difference in our lives. You are a very good and thoughtful man, and everyone should do business with you." Shannon and Sean Yarnell, Springfield

DELIVERED WHEN OTHERS COULDN'T... "Thanks to you, we have the most beautiful home for Christmas. The fireplace, stockings, garland on the banisters - the whole bit. We really appreciate what you have done for us. Merry Christmas and Thank You!" Tracy and Carey Wolf, Buffalo

NEW PURCHASE ON-TIME AND AS AGREED... "We signed all the papers and everything went fine. We both want to thank you from the bottom of our hearts. If there is ever any way we can help you, please feel free to call on us. THANKS AGAIN!" George and Marilyn Howell, Springfield

FAST CLOSING FOR SELF-EMPLOYED... Closed twice as fast as expected. "It's not fair asking how we feel...you KNOW we love you guys already!" Sean and Dawn Shields, Springfield

PRAISE FOR HELPING WITH DIVORCE ISSUES... "Perfect 10. You have always been helpful, very responsive, and answered all my questions in a timely manner. I also rank you a '10' in Honesty. Thank you so much!" Steve Crouse, Springfield

ENJOYING LAKE LIFE... "Thanks for all your help - we really appreciate it! If you're ever down this way, give us a call and stop by." Harvey and Sue Lewis, Cape Fair

FIRST-TIME HOMEBUYERS SING PRAISES... "Very Good job. Only reason you're not given 10's across the board is that there is always room for improvement." Jacob and Tiffany Barnes, Willard

REALTOR AND FAN... "You're the Best and I'm proud to associate with you. Many thanks for referring Jean Smith - I'm glad we could help her find her home so quickly. The way you treat your clients... you can consider me your friend, too." Doug Skaggs, Century 21

ANOTHER SATISFIED REALTOR... "You were great! You quickly assessed the situation, then hit the ground running, saving the day for all of us! I just can't express my amazement and appreciation enough. We will definitely talk again soon." DeeMarie Felton, Keller Williams

BUILDER IS A REPEAT CUSTOMER... "Perfect scores for Communication, Timeliness and Responsiveness." Mark and Kelli Miller, Willard

INSURANCE AGENT IS A FAN... "You have a great system! I'm impressed!" Steve Heintzelman, American Family Insurance, Springfield

BUILT BRAND NEW... "Great service and fast also. Thank you!" Tom and Elizabeth Crowe, Mt Vernon

KEEPING IN-TOUCH... "We sure appreciate the email tips that come our way. Thanks for including us on your monthly newsletter, too!" Dennis and Rena Metzger, Springfield

CONTACTED THEM TO LOWER THEIR PAYMENT... "Great Job!" Vicki and Kris Stiles, Rogersville

SPECIAL GIFT TO SAY THANKS... "We are so pleased with the personal way you made all the complex financial arrangements for us. We know without you we wouldn't be celebrating in our new home!" Aundrayah and Robert Shermer, Springfield

PERFECT SCORES ON THEIR DEBT CONSOLIDATION... "Thanks for everything!" Kurt and Renee Meglan, Hartville

REFERRING OTHERS AND LOVING IT... "Responsiveness and Timeliness are Perfect 10's." Jennifer Erickson, Stockton