The Mortgage Guys are a company thats been in existence since 2001. Although we have 100 lenders and at least 1000 loan programs, we are focusing on A/B credit to get 1.95% interest rate. We do offer this program in 39 states, however we can do conventional or creative financing for Commercial or residential properties. We also offer the 1.95% program to people who want to refinance. For people with less-than-perfect credit, we also have great programs. Please Call me soon!!!!!!!