We also use many lenders to help find you the best rate, the best terms. Not only do we have numerous sources, at any one given time it can be 50 or 60 banks, insurance companies, large banks, small banks, a number of different lenders that we look to to provide you the best terms. We also have software that sorts through all of the different lenders that we have, so instead of relying on one human being, your loan officer, to know who has the best rates, it's almost impossible for one human being to sort through 50 rate sheets, which can be three to five to six pages each. What loan officers will end up doing by default is working with their five favorite lenders and you may not necessarily be getting the best terms because they're working with people that take them to lunch or they're working with people that they like for whatever reason. I use the software that automatically sorts through all the lenders that we work with so I can immediately go to the best price.

There are many times when you may not want to deal with somebody with the best price or they may not have the loan program that we're looking for and specific that the consumer wants, but none the less, it's a good tool to have to make sure that you're quoting what is the best set of terms for the consumer.