We promise you a Five-Star Mortgage Experience. If we break that promise, we'll pay you $500.

We've crafted our Five-Star Experience to specifically address the issues that cause consumers to give our industry low grades. And we take it so seriously, that if we break our promise to provide you with a Five-Star Experience, we'll put our money where our mouth is and pay you $500.

Here's how the Opteum Five-Star Experience will help put you at ease and in control:

A Personal Mortgage Team: Your Opteum team consists of your Personal Mortgage Banker, Client Services Coordinator, Set-up Analyst, Underwriter and Closing Specialist. Each team member is dedicated to providing you with a Five-Star Experience and is qualified and empowered to communicate with you and make decisions. So you'll never have trouble finding a real person to talk to or getting timely, accurate information. You only have two hands, but you'll have five Opteum people holding them.

Fast Approval: In most cases, your team will provide approval within 72 hours. They are committed to providing the right mortgage solution for you with a quick turnaround.

Exclusive Loan Tracker Technology: Opteum's innovative Loan Tracker technology allows you to apply online and check your loan status at any time.

Communication:
Excellent communication is the only way to help prevent surprises at closing, and that's what you'll get from Opteum through our communications credo:

• We will explain which costs on your Good Faith Estimate are fixed and which are variable.
• We will explain what each and every cost is for. For those that might change later, we will explain why and by approximately how much.
• If any of your variable costs do change, we will explain the changes within a 24-hour period.
• As closing approaches, your loan officer will present your final closing costs, verify that any changes have been explained to your satisfaction and confirm closing date, place and time.
• In cases where there is a possibility your closing may be negatively impacted at the last minute (e.g. unexpected costs or delays) – even if it is due to circumstances beyond Opteum's control (e.g. appraiser, attorney, termite letter) – your loan officer will communicate those possibilities to you prior to closing so that you are not caught by surprise.

Our Promise: After you close, if you feel we did not provide you with a Five-Star Experience, simply call our customer service department and claim your $500 - no questions asked.