If you are buying or building a home, this is a transaction where you absolutely MUST be able to TRUST your lender. Equitable has the lowest rates rates and closing costs in the marketplace. When a client calls us and says that they are getting a rate quote that is 1/4 of a percent lower than Equitable's rate. We cringe. Equitable can document numerous times where other lenders quote you a lower rate or closing costs to get your business. Then, when the closing comes, the rate or closings costs are mysteriously higher than their first quote or their loan program has changed. That is called bait and switch.

What can you do? The movers are coming next week and you have to take the switched program and higher rate. Don't fall into this trap. Equitable puts everything in writing for YOU. Your rate, closing costs and number of days that your rate is locked is all put in writing. We will give you numerous builder and realtor references.

• We have Zero Down Payment Purchase Programs.
• We offer 5% down with no PMI.
• We can close quickly.
• Relocations are no problem.
• We have user friendly construction loan programs with a low down payment.
• We stand behind our rate, closing costs and loan programs.
• We make a lifetime commitment to you with our
  Free Refinance Card.