Certified Rates model is a long-term mortgage origination model built to sustain interest rate fluctuations, that is scalable along with sustainable margins. Certified Rate will not be forced to ride the interest rate roller coaster, as do a majority of refinance- focused call centers. Additionally, Certified Rate will not rely upon outside loan officers. Our call center will cater to online home buyers and will create stickiness between the Realtor, Buyer, and Lender that didn’t exist in prior years.