The Sink or Swim Loan Closing System® is a set of mortgage loan pricing and processing worksheets developed over many years in the mortgage industry. These sheets cover both types of loans: purchases and refinances; and will work for conforming, non-conforming, jumbo, sub-prime loans, second mortgages, home equity lines of credit (HELOC), FHA loans, VA loans, and commercial properties. They are guaranteed to help you streamline your business and close more loans in less time and make more money. Here's Who Will Benefit Most From This System... Loan Officers Mortgage Brokers Mortgage Bankers Loan Processors Real Estate Agents Small Banks and Credit Unions Real Estate Investors Seasoned Mortgage Veterans New people who need a little "extra" help. Anyone else involved in the mortgage industry who wants to close more loans and make more money! All worksheets are extremely detailed and leave nothing out. The Sink or Swim Loan Closing System® will help you to reduce costs and cut expenses, making every loan you sell that much more profitable! You can increase your bottom-line immediately with very little cost. Close just one loan and the system has paid for itself many times over. And you can keep using it...loan after loan...commission after commission--that's the best part! It's yours to use and profit from forever, and works anywhere you do.