Every day in America, consumers are victims of mortgage loan officer schemes that ultimately cost borrowers much more time and money than they were originally led to believe. This occurs
so frequently that 's8220;Predatory Lending's8221; has become a commonly used term in today's8217;s society.
Tammy Butler, a Certified Mortgage Banker with over 20 years of industry experience and President of Direct Lending Family, Inc. owners of http://HomeOwnerDirectLending.com , witnessed this injustice on a daily basis and decided to do something about it. Ms. Butler and her team have
created a unique, new Self-Serve mortgage lending technology which allows the consumer, real estate agent or builder to go online in a secure environment and within 15 minutes receive a
true loan approval for themselves or their client without ever having to speak with a loan officer.
's8220;If I had it my way, all -- not just some -- mortgage loan officers would be ethical in their business dealings. I became tired of hearing about how individuals and families from
all walks of life were falling prey to heartless mortgage companies just interested in making a fast buck, at the expense of the borrower. Our technology is so unique that it is
patent-pending and truly protects today's8217;s borrower.'s8221; says Butler.
http://HomeOwnerDirectLending.com evaluates each individual person's8217;s specific financial situation including credit, and in real-time
matches and presents the borrower with a selection of lending products from tens of thousands of mortgage options. The borrower simply selects the type/term of loan that they are
interested in and the system then immediately begins the underwriting process. Even better, the borrower can view all actual (not estimated) closing costs for each loan match presented,
based on lending program and geography. This leaves no margin for error and no opportunity to add additional costs to the loan. Based on the borrower's8217;s loan choice, all figures
presented by http://HomeOwnerDirectLending.com represent an accurate snapshot of the true cost of the loan.
's8220;This system eliminates predatory lending because it does not have the ability to charge the borrower more because it thinks the borrower does not know any better. Our system simply
evaluates the client and gives them the right program at the right price, saving the client money and time.'s8221; says Butler.
Once the initial process is complete, a professional loan manager works with the consumer to complete the loan package in a low pressure tone and gets the consumer to closing on time with
no games, no gimmicks, and best of all, no hidden up-charges or costs of any kind.
's8220;This is the first true Self-Serve online mortgage solution we have ever seen. Other online lenders state that you can do a mortgage online, but the reality is that you either give
them information that they sell as a lead to loan officers or they have a loan officer call you. Both of those scenarios often lead to added costs and frustration to the consumer. Our
team is very, very impressed with Ms. Butler and her concept. We are endorsing http://HomeOwnerDirectLending.com as a 2006 Top Industry
Technology Pick.'s8221; says Jonathan Cosie, CEO and Founder of MortgageTrends as well as RealEstatePro News which are leading industry publications owned by The Midtown Consulting Group
-- http://www.MCGHoldings.com
Even better, http://HomeOwnerDirectLending.com is totally free to use for the borrower and requires no financial commitment to get
started.