Our Credo is the philosophy that drives The Honest Mortgage Company -

1. Our clients' interests always come first. Our experience shows that if we serve our clients well, our own success will follow.

2. Integrity and honesty are at the heart of our business. We expect our people to maintain high ethical standards in everything they do, both in their work and in their personal lives.

3. We are dedicated to complying fully with the laws, rules and ethical principles that govern us. Our continued success depends upon unwavering adherence to this standard.

4. We take great pride in the professional quality of our work. We have an uncompromising determination to achieve excellence in everything we undertake.

5. We stress creativity and imagination in everything we do and constantly strive to find a better solution to a client's financial objectives.

6. We make an unusual effort to identify and recruit the very best person for every job. That means we attract, retain and motivate people from many backgrounds and perspectives. In a service business, we know that with the best people, we can be the best firm.

7. We stress teamwork in everything we do. While individual creativity is always encouraged, we have found that team effort often produces the best results.

8. We constantly strive to anticipate the rapidly changing needs of our clients and to develop new services to meet those needs. We know that the world of mortgages will not stand still and that complacency can lead to extinction.

9. We regularly receive confidential information as part of our normal client relationships. To breach that confidence or to use confidential information improperly or carelessly would be unthinkable.

10. Our business is highly competitive, and we aggressively seek to expand our client relationships. However, we must always be fair competitors and we never denigrate other firms.