Barry Habib,

I subscribed to the Mortgage Market Guide (MMG) after hearing you speak at a Mortgage Originator Magazine event last year in Phoenix. To say the least I am pleased with my decision to subscribe. With your help, I have earned several thousand dollars more than I would have without the benefit of the MMGSM.

More importantly, I have helped my clients save money and positioned myself as an expert and their trusted advisor. I am extremely grateful to you and your organization and I appreciate your service enormously.

Please do not hesitate to phone me if I may be of service to you in any way. Next time you are in Phoenix/Scottsdale, I would love to take you out for a round of golf.

Gratefully yours,
Brent McDonald
President

I saw you at the CAMB. I had heard about MMGSM but was reluctant to subscribe due to the cost and frankly the reliability.

Well, I subscribed at CAMB! I do just over $100 million per year personal production and I have to tell you that I made the money back in the first few hours I had your service. My customers love it and now my assistants and I are on a different level with the client when we talk about rates.

I also have to mention the Japanese Candlesticks. I have begun to use them in my stock trading research and find them to be an extremely useful tool.

Thanks for your insights and a great tool.

Sincerely,

Randy Gray
Executive Vice President
Best Rate Solutions, Inc.

Thank you for your persistence in keeping us mortgage brokers updated about market at once and lose track of the market. Your rate alerts keep us re-focused on the market.

Your service is not only a great sales tool to have in the field when we are in the middle of an application appointment, but also to forward to clients that need further analysis beyond our summary of your report.

Keep up the great work.

Steven M. Hook, Vice President
Union Advantage Home Loans, Inc.

I just want to let you know that because of your reports; I have stayed ahead of our price increases & have saved my clients hundreds of dollars if not thousands. It's funny how some of the other loan officers ask me what's happening in the market or watch out when I start locking in loans. They don't care about Greenspan making a move anymore they just watch to see if I'm locking. I attended one of the local seminars you were a guest and it made a big difference in understanding the charts and different vocabulary you throw at us. I'm definitely renewing my annual subscription without hesitation.

Regards,

Carlos Flores
Moneytree Lending

I like the specific stock recommendations and the reasons why. It further helps in the recognition and understanding of candlestick patterns.

You are doing an excellent job. You have saved me $1,000's and my borrower's even more! I've recommended your service to many originators. Keep up the great value and insights!

Doug Perry
CTX Mortgage

I have enjoyed your program for the past year. Your service has been a valuable tool to not only know when to lock my loans for better pricing but also to be able to speak intelligently to my clients on what direction the market is heading. I love the addition of text messaging to my cell phone. I can't think of anything that you could be doing better but I wanted to tell you to keep up the good work!

Since I started using your service my average commission per loan has gone up about $100. That doesn't sound all that great but I closed 275 loans in the last year so it has certainly added to my overall income.

Great job!

Michael Bower
Mortgage America
Allentown, PA

Thanks for your site & services. I know you work hard to get me the most accurate information as fast as you can. I feel that for the information I have received my annual subscription fees is money well spent. The voice mail and e-mail market updates have repeatedly saved or made me money. I have come to rely on them. I will not lock a loan until I hear from you. I have occasionally added some of your commentary to my blast e-mails and have had new loans come in as a result.

I especially appreciate the e-mail market updates - they are timely and informative.

Also, you are a mortgage hero to a great many of us - in that you seem to be able to manage a large flow and stay on top of the Mortgage Market GuideSM and a fair sized staff.

Douglas W. Woods
Manager
Gray & Company Mortgage Services

The unexpected benefit of subscribing to your service is the good feeling I get from knowing what is going on in the money world. Previously, even though I was a loan officer, I got my news from radio, TV, newspaper and had to put together my own explanations when clients call or ask. Now I can send them my Readers Digest version and they feel better too.

I forgot to mention that I've saved enough money with well timed loan locks to pay for the subscription.

Sean West
Loan Officer and Website Developer

"The Mortgage Market guide is the best mortgage tool on the planet. It help me profitably close over $185 million in business last year and we expect to close over $240 million this year. It saved me over $100K in commissions last year. If you are not on the service you and your clients are at a distinct disadvantage."

Mark Klein, President
Pacific Coast Lending