One of the ways we're able to provide low rates is through managing internal
costs. That doesn't mean we put "ruthless" in front of efficiency.
Traditional banks have offices on every corner and in a few states, we do too. While
that might seem convenient at first, remember, the cost for the electricity to heat
and cool the building and that funky free piece of candy at the welcome desk has
to be covered.
But we're online and that already reduces our overhead costs. We aren't paying
for extra branches and offices. That means savings, some of which we pass on to
you in the form of lower interest rates.
When it's time to work on your loan, you'll have access to call, email
or chat online with one of our expert loan advisers who work with clients across