4- Reliabilty. We list the phone and addresses of our references on our web site. Competitors who act 'low profile' may not be legitimate. Ask for references and investigate.

5- Federal Law. Know your consumer rights. Closing costs cannot exceed 7 percent... due after funds are accessible. Fees cannot be charged twice. The 1996 Telemarketing Act of 1996 forbids any agency from collecting fees in advance of sourcing an unsecured loan. Beware abusers who offer financial services and violate the law. Report them to their state attorney general office.

6- Rates. Lenders who give unsecured loans at a rate of flat prime, plus one, two or three points are uncommon. If a competitor quotes a rate above prime plus three, this might be a hard money lender. We are NOT hard money lenders.