We don't recommend a mortgage product, quote or a rate based simply on a "by-the-numbers" formula only. Our formula incorporates the customer's hopes, concerns, needs and goals with the "numbers".  So, the way we do business is more than helping our customer purchase or refinance a home. We're setting up financial parameters that may play a major role in determining the conduct and quality of their lives for many years to come. That's why we make a genuine effort to really listen to our customer.  Thus, whether you are purchasing or refinancing a home, EquiLoans Home Advisors leave the closing with one thought in mind...  Smart move.