The primary mission of Residential Finance Network is to lower borrowing costs for consumers by bringing mortgage borrowers and lenders closer together through technology. We are using the Internet to give you the most efficient and least expensive method of obtaining a mortgage. As technology lowers our costs, you will see even lower interest rates, points and fees than any competing company on-line or off-line.

Residential Finance Network has been assisting borrowers with their home financing needs since 1988. Our record and reputation can be documented through the testimonials of satisfied customers, an unblemished regulatory record with state licensing authorities and a substantial history of solid relationships with numerous wholesale mortgage lending institutions.

Based on this experience, we have developed this web site and organized our company to give borrowers what we believe they really want, which is one source to find:

• The largest selection of lenders and mortgage loans available anywhere
• The most competitive rates, points and fees for these programs
• Professional advice and assistance to help you choose the best loan
• An easy loan application and closing process

This is my personal commitment to you: Whether you are buying or refinancing, I will personally make sure that your loan application will be taken care of just as if you handed your application to us directly. Having helped borrowers for so long, we know the importance of making sure that you close your loan on time and with the lowest interest rate, points and fees possible. Your loan will not get lost in a sea of paperwork as happens at many mortgage companies and banks.

We see the Internet as a tool to bring us closer together, not a technology barrier that makes the mortgage loan application process less personal. Upon submitting an application, you will be assigned a mortgage specialist and a loan processor who will guide you through to closing your loan.

If you are ever having a problem with your loan application that you feel your mortgage specialist or loan processor has not solved to your satisfaction, you may e-mail me directly at MWL@RFNC.com or call me directly at 800-728-3867 Extension 100. I will review the problem and either myself or my personal assistant will step in to help in any way we can.

Thank you again for visiting us. We look forward to assisting you with your home financing needs this year.

Sincerely,

Michael W. Licamele III
President