Who We Are: We are loan officers working for federally insured banks. We are not brokers or intermediaries. What We Do: We determine if you can qualify for a loan, how much you can borrow, how much your down payment will be, and how long it will take. We do not charge up-front fees. We evaluate your transaction quickly. We help save you time and money. Why Is This Important:​ Working directly with a bank loan officer saves you time and money by eliminating the middle man and unnecessary transaction fees.