To Whom It May Concern, With over 15+ years experience in the wholesale lending arena, 11 of them spent as a Senior Business Development Manager for US Bank, Bank One and First Indiana Bank, I have an excellent understanding of which Mortgage Companies in Utah have exceptional service, great integrity, thoroughness and the experience necessary to successfully help home buyers/owners with their financing needs. The company that stands out in my mind with the above attributes is Alliance Capital Funding. I’ve worked with Melanie and Keith for over 11 years and have come to appreciate the way they operate their Brokerage. Their processing staff is one of the most knowledgeable, professional, and thorough organizations in the mortgage industry in Utah. They continuously improve to shorten underwriting and turn-around times. It’s important to note that out of all of our Brokers, Alliance has been the leader in making sure their entire staff is educated, fully tested and licensed on the NMLS, and up to speed on all the new federal lending changes impacting our industry this year. They have done an amazing job of communicating these changes to us as one of their lending partners and to their clients during this difficult transition. As the industry thins out and many broker relationships are severed due to non-performance, M&I continues to work with Alliance because they consistently handle all aspects of the lending transaction professionally and with sincere appreciation and respect. Alliance builds their business on relationships, as do I. As a successful Broker, Alliance has many more lending options than the Retail Lenders, Banks and Credit Unions. By maintaining more options they can ensure their client’s loans get done at the best rate and terms possible. I look forward to many more years of business partnering with Alliance and would highly recommend them to any borrower, Realtor, friend, or family member looking to work with an exceptional, knowledgeable, customer service oriented Broker! Cindy Huerta Account Executive – Utah M&I Home Lending Solutions

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