Hello, I am Jim Hammond, owner and founder of EquiFund Mortgage. I have been an active mortgage professional since 1998. After spending 5 years in the business, I envisioned a mortgage marketplace that can deliver the lowest interest rate and closing cost mortgage loan for our clients. I have spent the last 12 years fulfilling the requirements to revolutionize the mortgage market, and decrease the cost of mortgage lending, while providing a simple user interface and automation that computes: cost comparisons between lenders and loan programs, and net tangible benefit to borrowers. Our mission is to deliver the lowest closing cost and interest rate mortgage loans leveraging automation for ease of use for our clients. We invite and welcome you to be part of our mission by taking advantage of the lowest rate and fee home loans offered for purchasing or refinancing a home. EquiFund offers a online mortgage marketplace that compares lenders loan offers, and issues preapprovals.