Why Choose Bretlin Home Mortgage? Fast and Convenient. Submit your application on-line or call; it only takes about 10 minutes to get the information needed to deliver a complete loan approval, usually within an hour! The loan approval package includes an approval letter, a list of documentation needed for the loan, and the completed loan application with disclosures ready for signature. There is no charge for this service. Price. Much of our business is from referrals, so our pricing has to be the best! Our rates are typically .25% to .50% better than what would be quoted at a local bank or mortgage company. No application fees. Experience. We have a seasoned staff of highly trained professionals that will help you to achieve your financial goals! Utilize us for all your mortgage needs, common scenarios or a situation that needs a creative solution. Service. This is what truly separates us from the rest and the reason our business is primarily referral based. We have a proven system for communicating with you throughout the loan process. You will know the status of your loan every step of the way! We will make this an enjoyable experience and anticipate the opportunity to earn your family and friends trust.