We think of loyalty as a desirable trait. We think of it as something we should encourage — even reward. This is true not only in our friendships and personal relationships, but it is also reasonable to expect your loyalty to be encouraged when dealing with insitutions you trust with your mortgage. But instead we see companies giving much better deals to new customers and making loyal customers pay more - until they negotiate fiercly. That is not fair. Clinsj negotiates your mortgage for you - ensuring you a fair rate from your current lender or we help you move to someone who does. We are only paid by you - we get no kickback from any lender - and we only get paid if you save.