 Hi there, I'm Kim Williams with Alabama Home Mortgage. For years, I've been asking you to call me at Alabama Home Mortgage because there is a difference in mortgage companies. When you call Alabama Home Mortgage, you will immediately see the difference in pricing. Not only do we offer the most competitive rate, but our closing costs rank among the lowest in the industry. How do we do it? Because we can. We do not have the overhead that big banks and lenders do. Those big banks and lenders have big expenses. And what do they do? They pass those expenses along to you.