Small company but first class service. Joe and Sophie Nittolo will tell you the truth-a refreshing change from most other mortgage companies. If you don't qualify for a low rate, they explain why and what you can do to improve your credit scores. They have no credit report fee, no application fee and no rate lock fees. They helped improve my credit and am a repeat customer enabling a lower interest rate and debt consolidation refiance saving me over $800 a month.

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