Certification of Integrity First Financial Group as an "Upfront Mortgage Lender"

Integrity First Financial Group, Inc. has been awarded the rare Upfront Mortgage Lender (UML) designation. The UML certification assures customers fair treatment in all dealings with Integrity First Financial Group, Inc. You are assured a fair and accurate interest rate and closing cost quote before your full application.

Requirement #1: An Upfront Mortgage Lender provides quick access to the market niches it prices online.

Integrity First Financial Group offers a variety of the most popular mortgage programs and allows consumers access to obtain real time pricing for them online. You can view our detailed table of Market Niches by clicking here.

Requirement #2: An Upfront Mortgage Lender includes its fixed-dollar fees, including credit and appraisal charges, in its price and guarantees them to closing.

Integrity First Financial Group guarantees that the rate and fees proposed in the borrowers Good Faith Estimate are the same that will appear on their closing documents. These fees are posted daily in real time to our website and are locked once initial loan disclosures are signed and submitted to the borrowers designated loan coordinator.

View today’s low rates and fees here

Requirement #3: An Upfront Mortgage Lender provides a clear explanation of its lock requirements.

After completing an online application and submitting their signed disclosure package and required documentation borrowers will receive an email from their loan coordinator confirming that the program, loan amount, rate, points and fees that have been locked in. For more detailed information you can review our rate lock policy here.

Requirement #4: An Upfront Mortgage Lender discloses all the information about its Adjustable Rate Mortgages needed by customers to make intelligent decisions.

This important information can be viewed by clicking here.

Requirement #5: An Upfront Mortgage Lender informs borrowers if its loan officers are compensated in a way that gives them a financial incentive to overcharge the borrower.

Integrity First Financial Group never empowers or offers incentive to loan coordinators to sell any rate or fee other than those posted on our website.