Name: Sally Becky Holmes - Advantage Lending Services. Descripton:I specialize in true low fee and no fee mortgage loans. As a low overhead company, we offer some of the most competitive rates out there for Conventional, FHA, VA, and USDA loans.Current favorite mortgage product: 5% down purchase or 5% equity refinance with no monthly mortgage insurance and no upfront mortgage insurance added to your loan or out of pocket!!!!Does your loan officer take the time to teach you about your choices between rates and closing costs and when your breakeven point is with the different rates and types of loans? Although the deals I get my clients are fantastic, I pride myself even more for doing what is in the best interest of my clients. I take the time to teach people about their choices and what makes sense for their individual situation and future plans. I am a licensed Mortgage Loan Officer and an Appraiser , so I am well educated in the industry and know the challenges we can face.Credit issues: I have worked with alot of people on ways to improve credit scores quickly. You would be surprised what can help and hurt your credit. I am happy to help prepare you to get the best rate and pricing possible even if its 6 months down the road. Work on your credit now so that it's ready when you need it. Best advise: beware of what I call "bait" offers you get in the mail. I recently had someone looking at a refinance ask me if the rate he was offered in the mail on a 20 year loan was legit. We took the loan amount and added in closing costs to equal the APR disclosed. He would have never broken even over the 20 year loan for the amount of closing costs spent. That doesn't make financial sense for anyone! I can direct you to some great on-line calculators that compare scenarios.Sally “Becky” Holmes 801-721-5991 Advantage Lending Services. Equal Housing Lender. Loan officer NMLS#304805. You may verify my information on the national mortgage licensing website: http://www.nmlsconsumeraccess.org/ Rating of 5.0000 based on 10 reviews.