Everyone wants the LOWEST INTEREST RATES, and  you've found the place in Central Texas that can always give you the lowest possible Rates.  That's because we are Mortgage Brokers.  We are not forced to take a "Take it, or Leave it" attitude as you'll find with banks.  We actually present your loan application to the three lenders in Texas that we feel will have the best rates for you and your situation.  Then, we let you choose the best loan for you.  Rates, you see, are allowed to change several times daily and this system allows us to find the best rate and "Lock" it in for 30 days so that you are guaranteed the rate at closing.