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Our One Fee™ covers all standard Broker and Lender Non-Recurring Closing Costs
("NRCC's"). At your choice, you can pay Lender Points to buy down your rate. Or, you
can choose a higher rate and earn a Rebate or Yield Spread Premium ("YSP") from the
Lender. You can use this rebate as a cash credit toward all closing costs, title charges,
government taxes and fees, and prepaids (but not downpayment on a purchase).

With all of the complex new loan disclosure rules, One Fee provides you a simple,
straightforward benchmark for understanding--and comparing--the cost of your home loan.

Experience. Knowledge. Exemplary Service. Honest Pricing. We should talk!

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