Nationwide Direct Mortgage is a user-friendly alternative to the traditional broker-outsourced lending process that will save consumers time and speed up the buying and refinancing process. We are a direct lender with access to our own funds and wholesale rates, we have a strategic price advantage that many other companies cannot provide. Our goal is to pass these savings on to our customers. Nationwide Direct Mortgage has created a paperless online application process that also provides access to online resources that educate and inform our customers about their mortgage options. Applicants can monitor the progress of their loan application online and obtain a decision on approval within a few days. Nationwide Direct Mortgage assigns each customer their own personal loan consultant to oversee the process. When we set out to design our business, we asked ourselves, Why can't we make the process more customer-oriented? So we decided to combine modern communications with some good old-fashioned customer service. The bottom line is how much can people save by choosing Nationwide Direct Mortgage. And we feel we match up and beat just about anyone out there. As a direct lender, Nationwide Direct Mortgage pledges to deliver the lowest available rates, with no hidden fees, no broker fees and no origination fees.