My plan for best execution reduces the cost of a mortgage by more than $2, 000.00. The plan includes marketing and technology solutions that will eliminate much overhead and present costs, associated with processing mortgage transactions. The Consumer is connected directly to various lender' s underwriting engines, and other real estate participants, through Sybase Integration Hub, which is connected to DST AWD Technologies, which includes DST Output, and MFDS Call Center. The solution provides the consumer with the ability to eliminate the loan officer' s commissions, plus provides discounts for title, escrow, etc. The wholesale banker/broker is equipped with straight through processing and call center technologies, to enable our clients to realize a variable cost origination, with minimal overhead. Further discounts, can be passed on to the consumer, plus other than mortgage profits, can be realized by the mortgage banker.