Purchase ........................................	$275.00
	Refinance .......................................	$225.00
	Closing w/HUD Prep & Disbursing  ............................	$225.00
	Courtesy Closing w/ payment upfront......	$200.00
	Cash & Land Contract Split 50/50 between parties .................	$125.00
	No Courier Fees for Lender Packages and Payoffs
	No Traveling Fees with Saginaw, Bay & Midland Counties
	No Miscellaneous Fees
	After hour closing available upon request
	Will close where convenient, at any Business Location
	Easy storage of documents, available electronically (CD) or hard copies (paper)
	Can split the loan and owners policies with same reissue credit as if done together
	Accepts Bay County Chamber of Commerce Gift Certificates