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E-Z Express Makes On-Line Mortgage Loans Fast, Friendly and Easy For Customers

Getting a mortgage loan to purchase, refinance, or to use your home's equity just got easier.

That's because Finance Factors is launching E-Z Express, a state-of-the-art online mortgage loan application that is fully integrated with the latest automated underwriting technology so for most applicants we can deliver an approval online, in just minutes. Whether you're buying a home, refinancing, or using home equity, you can take advantage of this fast and easy technology to apply online and get approved in minutes by visiting www.financefactors.com.

Even if you're not ready to apply, you'll want to visit www.financefactors.com to use all the added features of our new E-Z Express technology. Visitors to the Finance Factors website can get a Quick Quote to see what options are available for their unique loan needs. Or, check out our online resources to learn more about mortgage loans including a complete glossary of financial terminology. Visitors who sign up for Rate Watch will be notified via email when their target mortgage rate is available.

Another great new feature is our handy self-help "calculators" that are designed to help you select the type of mortgage that's best for you. "How much would my monthly payment be?", "How much can I save with a 15-year mortgage?" and "Can I save money by refinancing now?" are just some of the questions you can find the answers to using this new website feature.

With E-Z Express, customers can apply for 15- or 30-year fixed rate mortgages, 1-, 3- and 5-year adjustable rate mortgages, Construction+Permanent loans, and home equity credit lines. Similar to popular online tax preparation services, applying online with E-Z Express is as easy as answering simple questions. As you provide the answers, the dynamic application changes based on your specific situation and the type of loan you are applying for. E-Z Express also provides helpful information at your fingertips if you need clarification. Of course, loan officers are always available to answer any questions you might have.

E-Z Express is powered by Mortgagebot LLC, a company based in Mequon, Wisconsin, that currently serves over 650 clients across the nation. Mortgagebot has earned repeated recognition from Mortgage Technology Magazine and most recently was named to the Inc. 500 list of the country's fastest growing private companies. We're proud to be partnering with this innovative and highly successful company on behalf of our customers.

I think all of our customers are going to love E-Z Express. Please drop me a line and let me know how you like this new service, which is just the latest in a growing menu of high-quality products and services Finance Factors offers.

At Finance Factors, we work hard to make our customers' lives easier. I think you will agree that our new E-Z Express online mortgage application does just that.

Thank you for your continued business and support, and for helping us make Finance Factors Hawaii's Choice for Home Loans.

As always, please email us or call us on Oahu at 522-2000 or toll free at 1-800-648-7136 with your questions and comments.

With warmest regards,

For more information about Finance Factors, we invite you to view our Statement of Financial Condition as of December 31, 2007.