I provide all types of Mortgage Loans 24 hrs a day 7 days a week. Being local a person can call ME about the status of their loan. I have my own team so I always know what is going on. This helps because you close faster and also helps consumers whey they have questions, gone of are the days of not knowing what the status is on your home loan. To me, I would want my business to go localy someone who is there 100% of time, 24 hrs a day 7 days a week.