Ever wonder how mortgage professionals and loan officers make their money? We believe every home buyer should know. Read more.

At Integra Mortgage, we take great pride in our own unique, two-part pricing structure. We call it Buddy Pricing.

First, we quote all of our clients the lowest wholesale interest rates from our four national lenders. We will never offer an interest rate that is less than our very best. This means our clients get the lowest interest rates offered by one of the following:

• Wells Fargo
• GMAC
• Wachovia

We have chosen these national companies to provide our clients with a rich and diverse array of loan products backed by the country's best lending and servicing companies. Our strong relationship with these companies ensures our clients are getting the best products and interest rates. We stand beside our clients long after the closing.

Secondly, Integra Mortgage puts a cap on our origination fees, ensuring our clients that the more they finance, the less their financing costs them. Integra Mortgage charges a 1% origination fee capped at $2,000 the first time we work with a client; $1,500 the second time; and $1,000 for each subsequent loan. For larger loan amounts, this capped origination structure keeps our clients' financing at a reasonable level. For those clients who buy or refinance often, this means that each time they work with Integra, their financing becomes less expensive until their origination fee is 1% or $1,000, whichever is less.