Different lenders have strengths and limitations too. No bank can be all things to all borrowers. In addition, market conditions are always changing and each lender's guidelines frequently change. Keeping up with it all and knowing which lender has the best solution at the best price is a full time job.

Most importantly, many lending solutions are only available through approved mortgage brokers. Why limit your request to a single bank? One application with us gives you access to a much wider range of possibilities. Best of all, it never costs you more to work with a professional mortgage broker. In fact, it usually costs less as revealed in a recent national study conducted by Georgetown University.

Among the sources of money we will consider for your loan request are the wholesale lending divisions of some of the largest financial institutions in the country, as well as important niche players, including the following:

• Alliance Bancorp • American Brokers Conduit • Bank of America • Chase Manhattan • Chevy Chase Bank • CIT • Citibank • Countrywide • First Federal Bank of California • Flagstar Bank • Indymac • Lehman Brothers

• Greenpoint Mortgage • Merrill Lynch • National City Mortgage • New Century • Option One • Private Lenders • Provident Funding • Residential Mortgage Capital • Washington Mutual • Wells Fargo • WMC Mortgage Corporation • World Savings

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