1. Security.
2. Applying by phone and getting "live" assistance - not a recording.
3. Having all the details you need to complete the application.

1. Assured complete security. Your application is on a secured server so when you submit it to Home Finance of America your information is protected and kept private.
2. Assigned your own personal Mortgage Professional - someone who is available, by phone, e-mail or cell phone, 7 days a week throughout your transaction.
3. Allowed to submit a partial application. Don't have all the details you need while sitting at your computer? That's okay. Submit your application and your Mortgage Professional will contact you to obtain the remaining information that's needed.

At Bay Point Home Finance . . . no gimmicks . . . no surprises. Not to mention, you also get:

	The lowest interest rates in the country. 98% of our customers say they choose us because we have the lowest interest rates. Click here to read more testimonials.
	To lock in your interest rate immediately. You say "LOCK" and you're locked in, over the phone. Your lock-in agreement confirmation is sent to you immediately.
	Approved within hours of applying. Since we are so efficent, we can process your application promptly and, in most cases, fax you a pre-approval letter within 24 hours. Strengthen your position as a homebuyer.
	To choose from more than 100 loan programs. Want "No Points, No Cost?" We have it. Have difficulty documenting income or assets? No problem. There is a "No Documentation or "No Income/No Asset" program for you.