Our Commitment

Our purpose is to provide each unique individual with a program, which best suit, our clientele. A professional realtor and/or mortgage consultant can find a home and a lender with a program to meet your individual and unique needs.

Competitive rates: we have a "Preferred Broker" status to more than 100 lenders, this is what we pass on to our clients so they enjoy lower rates as well as excellent service for their home refinancing, purchasing commercial loan needs.

Fast response: we guarantee our professional and seasoned loans and mortgage consultants to give 24-hour turn time on all calls and question you, our valued clientele, may have to reach an informed decision.

Best Service: we will meet your closing date and make sure you have a pleasant mortgage loan or home buying experience experience.

Extra mile: backed by a carefully pre-selected group of professionals in allied services, we extend to our clients' referral services for their entire mortgage needs. Provided by the country's top-notch realtors, professional title and escrow officers, the best appraisers, fast and efficient insurance agents, tax specialists, strong legal counselors and credit reporting and consulting service advisors.

We are guided by a strict set of corporate beliefs and business practices to ensure our growing number of very satisfied clientele will have the same exceptional quality of service ALC provides.

1. To conduct business in a competent professional manner, insuring that all personnel are knowledgeable in the particular area of the mortgage and/or real estate process in which they participate and act in compliance with sound industry practice.
2. Make every reasonable effort to assure advertising and other business practices are not misleading to the public, nor shall such advertising or other business practice contain any misrepresentations of fact.
3. Conduct business with integrity and dignity while recognizing and respecting the confidentiality of our clients.
4. Attempt to reduce all agreements to writing and provide copies to all parties engaged. When agreements are not in writing, we shall accord all oral agreements the same sanctity given to written agreements.
5. Have fair business practices so as not to deny equal professional services to any person for reasons of race, color, creed, sex, religion, national origin, marital status, age or disability.
6. Careful not to make representations concerning interest rates, home/market values or material facts that are not realistic, predatory, offensive or against clients best interest.
7. Make all reasonable efforts to facilitate each home buying and loan application experience in a timely manner.
8. When requested by client, promptly advice client of approval, declination or other material information, which comes to the realtor’s or mortgage consultant's attention.
9. Advice clients, whether or not requested, on issues related to the loan application or real estate transaction and should there be reason to believe that such disclosure is necessary to protect the interest of our client.
10. Always be informed with respect to all applicable industry laws and regulations and comply thereto.
11. Cooperate in every appropriate way with governmental bodies charged with regulating the practice of the mortgage industry, assuring the public of fair and honest treatment with respect to real estate deals and mortgage financing.
12. Not to engage in activities that constitutes the unauthorized practice of law, and shall recommend that legal counsel be obtained when in their best and honest judgment the interest of any party to a mortgage transaction requires legal.