Our clients choose the loan programs they want, and base their decisions upon clearly explained advantages and disadvantages of the appropriate program choices We make the claim that if we are allowed to charge the same fees other lenders charge, we will match any rate quoted by any of the Utah lenders We also offer state of the art underwriting Our goal is to thoroughly understand the needs of our clients now, as well as years into the future and then describe the several programs that relate best to fulfilling those needs Our mission statement is "Continuing a Tradition of Excellence.