Founded in 1984, Home Financing Center is the largest independently owned and operated mortgage lender in South Florida. Our company has focused on providing exceptional service to customers _ through the ups and downs of the nationÍs real estate cycle _ and we continue to grow our share of the market. To date, our company has closed more than $3 billion in mortgages. Home Financing Center is renowned for our ñresponsible lendingî policies designed to ensure that each customer receives an appropriate mortgage product. We are also known for personal customer service and for technology innovation. We were one of the first mortgage lenders to offer online mortgage applications and approvals. Today, our network is closely tied to federal housing and mortgage agencies, including FHA, VA, Fannie Mae, Freddie Mac and Ginnie Mae allowing us to respond more quickly to applicants and accelerate the transaction. Our Preferred Lender Status with Fannie Mae also helps our customers secure the best rates in the marketplace. We also service most of our mortgage loans _ a convenient situation for customers, who can not only make payments on their website but in person or speak to a local loan representative about their loans rather than an out-of-state call center. In 2004 Home Financing Center launched an Employer Assisted Housing initiative that addresses the challenges of a high cost housing market and the effect it has on employers and employees alike. This is a low-cost recruiting and retention tool that offers employees real value and can significantly improve the bottom line for employers. Home Financing Center also partners with Florida credit unions, community banks and other organizations to help them better serve their members and clients. Thanks to our financial strength and stability, our partnerships with community organizations and our in-depth lending knowledge, Home Financing Center is a growing force in the Florida market.