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J.G. Wentworth Mortgage Review: Understanding What’s In It For You

This J.G. Wentworth mortgage review will provide you the vital information you need to know before you even sign a loan document with the company. This will help you understand every single detail about the product that they offer to help you come up with an informed decision in the end.

JG Wentworth Mortgage Review

In a data published by the Economic Research of the Federal Reserve Bank of St. Louis, it states that as of the third quarter of 2019, the United States has a nearly $29.2 trillion total value of real estate owned by individual.

Meanwhile, the country, as of 2019 does have a total mortgage debt of $10.5 trillion, which means Americans do have $18.7 trillion in home equity.

Mortgage debt is one of the topmost types of loans in the country today, and experts believe the number of people getting mortgages will not decrease this year and in the years to come.

Well, that is not surprising because people, at the end of the day, want to have a home they can call their own. That is why it does not matter if they loan the money from the bank, or any other lending companies, for as long as they get to have their own space.


Now, just like any other types of loans, there are a lot of lending companies and/or financial institutions out there providing mortgage to individuals who need it.

With so many options, it can really get overwhelming sometimes. So, to help you trim down your options, today, we are going to do a J.G. Wentworth mortgage review.

J.G. Wentworth may not be as popular as other lenders out there, but this company definitely has what it takes to compete with other big names in the industry. Of course, it is not perfect, and we’ll tell you more about that as we go along with our review, but it’s worth checking out.

So, to keep you on track, we are going to particularly share information with you based on the following questions:

  • Who is J.G. Wentworth?
  • What kind of mortgage does J.G. Wentworth offer?
  • What do borrowers need to know about J.G. Wentworth mortgage?
  • Who qualifies for a J.G. Wentworth mortgage?
  • How to apply for a J.G. Wentworth mortgage?
  • What are the pros and cons of J.G. Wentworth mortgage?


J.G Wentworth may not be a household name like its competitors, but it surely is, as we have said earlier, something to look into if you are planning to get a mortgage.

J.G Wentworth was founded in 1991 as a merchant bank. Yes, it’s been there for a long time now. From a tiny group, it has grown to a company with 600 employees to date.

Furthermore, the company offers a variety of products and services, which include personal loans, prepaid credit cards, as well as signature structured settlements, which is actually what the company is known for.

If you want to learn more about J.G. Wentworth’s structured settlement payments, you may check the below video created by the company:

From what it already offers, J.G Wentworth added mortgages into its product offerings in 2015. They did so after the company has acquired WestStar Mortgage Inc.

Based on the Consumer Finance Protection Bureau (CFPB) data, J.G. Wentworth Home Lending per se has originated more than 14,000 loans in 2015 alone.

Moreover, it has been found to have funded more than $10 billion in loans since its birth.

J.G. Wentworth offers various loan types such as conventional lending options, VA, USDA, and FHA loans.

If you are planning to buy a house and loan the money from J.G. Wentworth Home Lending, the company is currently headquartered in Woodbridge, Virginia. It has offices in 14 states, and can also be reached online.


As a borrower, in this case, a mortgage borrower, it is important to know more about the different kinds of mortgage that lenders offer. This way, you get to learn and choose which fits you best.

If you are planning or looking at getting a mortgage from J.G. Wentworth, know that the company offers a number of options to choose from.

J.G. Wentworth offers several options not just for conventional loan customers, but also those with ow-to-moderate income and lower credit scores.

For your reference, here’s what you can expect from J.G. Wentworth:

  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage
  • Federal Housing Administration (FHA) Loan
  • U.S. Department of Agriculture (USDA) Loan
  • Veteran Affairs (VA) Loans
  • Refinance

Now, let’s discuss each option further —

Fixed-Rate Mortgage

J.G. Wentworth’s fixed-rate mortgage is ideal for borrowers or home buyers who prefers to have predictable monthly payments. A fixed-rate mortgage means your principal, as well as the interest rate, won’t change over the course of the loan term. Usually, this type of loan is popular among homebuyers who plan to stay put for a long time.

For this type of mortgage, J.G. Wentworth offers 15-year or 30-year loan terms.

Adjustable-Rate Mortgage

This type of loan literally “adjust” over a period of time. In this case, the interest rate will change after an initial fixed-interest period.

Normally, ARMs adjust the interest rate once a year once the initial period expires. Some homebuyers prefer this type of mortgage loan because of lower initial interest rates.

This type of mortgage is ideal for those who plan to sell the property after a few years. This helps you save the most on interest payments.

For this particular type of loan, the company offers three, five, or seven-year loan terms.

Federal Housing Administration (FHA) Loan

This type of mortgage is ideal for homebuyers who have a not-so-attractive credit history. Furthermore, this is also ideal for first-time homebuyers who do not usually qualify for a conventional loan.

For FHA loans, borrowers are given the option to pay only a 3.5% down payment, instead of the typical 20%.

U.S. Department of Agriculture (USDA) Loan

This particular loan type was created for borrowers or home buyers with low or moderate incomes who wish to have a home of their own in rural areas.

USDA loan does not require down payments, and it also offers lower fees and rates as compared to other types of loans out there.

Veteran Affairs (VA) Loans

Veteran Affairs (VA) Loans are specifically designed for current and former members of the U.S. Armed Forces, National Guards, as well as Reserves, and select spouses.

According to J.G. Wentworth, the company specializes in this type of loan.

Similar to USDA loans, VA loans do not require down payment as well. More so, it also does not include private mortgage insurance, and it comes with competitive rates. 


The company features the federal government’s Home Affordable Refinance Program (HARP).  Borrowers may apply for HARP only if they are not behind on their mortgage loan, closed on their loan before March 2009, and a few other qualifying factors. 


When borrowing money from a bank, a credit union, or an online lender, always make it a point to check every single detail possible. As we always say, make sure to shop around and compare features – at least three different lenders – to be able to choose the best option that fits your personal preference, and of course, your financial capabilities.

At this point in this J.G. Wentworth mortgage review, we are going to look into the following details:

  • Loan Amounts
  • Interest Rates
  • Loan Terms
  • Fees and Penalties
  • Collateral Requirements
  • Availability

Loan Amounts

When looking for a mortgage lender, make sure to take into consideration the loan amount they offer. Make sure they are able to provide how much you actually need for the house you are eyeing to buy.

Also, considering this factor will help trim down your options, at the same time, will help ensure you won’t waste a time and effort.

With J.G. Wentworth, the company provides mortgage that ranges from $0 up to $765,600. Surely, every type of mortgage product does have a specific loan amount range. Thus, we highly recommend checking out directly with J.G. Wentworth how much they lend on a particular product.

Interest Rates

Another very important thing to factor in is the interest that the lender charges. This will help you determine if you are capable of paying off the loan or not.

When shopping for a mortgage lender, ideally, you should look for the company that charges the lowest rate possible. That way, you get to save a lot of money.

Unfortunately, J.G. Wentworth does not provide specific rates or at least rate range. On their website, however, it says, “Your mortgage interest rate is personalized just for you.”

To put it simply, the company customizes the rates depending on certain factors — your credit score included.

If you want a rate quote from the company, you may do so by providing them minimal information, which in return will be the basis of what your possible rates could be. Once you have completed this process, and you find the rates within what you are hoping for, then you are given the option to proceed with the formal application online.

Loan Terms

Loan terms refer to the length of time the borrower has to repay the loan. With J.G. Wentworth, loan terms vary depending on the product or service.

For your reference, see the below table:

Type of Mortgage Loan Terms
Fixed-Rate Mortgage 15 years, 30 years
Adjustable-Rate Mortgage 3 years, 5 years, 7 years
Federal Housing Administration (FHA) Loan Not Stated
U.S. Department of Agriculture (USDA) Loan Not Stated
Veteran Affairs (VA) Loans Not Stated
Refinance Not Stated

When it comes to loan terms, keep in mind that as a general rule, the longer the loan term is, the higher the interest rate will be. Meanwhile, a shorter loan means more money saved.

Fees and Penalties

Another factor to consider when shopping for a mortgage lender is the fees and penalties.

With J.G. Wentworth, once you are approved of a mortgage loan, you will then have to coordinate a closing date and continue with your loan officer until you get to finalize the details of the home purchase.

During the time of closing, borrowers are required to pay closing costs plus additional fees.

Borrowers need to set aside about 3% to 5% of the home price to cover fees like the origination fee, as well as other charges.

The loan officer should be able to discuss as well as breakdown all the fees you will be charged off to ensure you won’t get surprised with any fees and charges.

To give you an idea, according to NerdWallet, J.G. Wentworth charges an origination fee, which comes at a flat rate of $795 for most loan types. However, if you are a Costco member, or if you are willing to join, you will be able to avail of a much lower origination fee, which amounts to as low as $275.

Collateral Requirements

All mortgage loans that J.G. Wentworth offer are all secured loans, which means collateral is needed to be able to acquire an approval (apart from other requirements, of course). Like in any other mortgage lenders though, the house you purchase using the loan automatically becomes the collateral, which means in case of default payment, the company acquires the property.


J.G. Wentworth mortgage loan is available in every state and DC except Hawaii, Idaho, Missouri, Nevada, and New York.

As mentioned earlier, the company has various offices in different states, which include Arizona, Connecticut, Florida, Georgia, Iowa, Kansas, Maryland, Michigan, New Hampshire, New Jersey, North Carolina, Pennsylvania, Texas, and Virginia.


At this point in our J.G. Wentworth mortgage, we are going to share with you the qualifications set by the company for those planning to do mortgage with them.

When you apply for a J.G. Wentworth mortgage, it is important to note that one of the major factors they consider is your credit score.

If you do not have a pleasing credit score, we highly recommend checking out other lenders or if you are not in a hurry, work on getting the best credit score as possible.

Having a high credit score means being able to avail of the best rates the company can offer, which in return will allow you to save thousands of dollars over the course of the loan.

Although the company does not display credit requirements upfront on its website, normally, the rule of thumb is to have around 700 FICO score to be able to qualify for a conventional loan. While 620 credit score is required as a minimum for some government-backed loans.

To be sure, again, we highly recommend calling J.G. Wentworth to know if you qualify for a mortgage with them.

Apart from the credit score, the company will also factor in the borrower’s employment history. Borrowers need to have at least two years of proof of employment. The proof would be your W-2s and pay stubs. If self-employed, additional documents will be required to prove your income.

Furthermore, the lender will also analyze your savings to ensure that you are able to cover the down payment required (which is usually 20%).

Another factor that the company takes into consideration is the debt-to-income ratio of the borrower.

All these, again, must be assessed to see if you are qualified for a mortgage at J.G. Wentworth.


This time around, you already know a lot of things — important things — about J.G. Wentworth mortgage.

Now, it’s time to talk about how to actually apply for a mortgage with J.G. Wentworth.

Initially, you have to check your qualifications, which include your checking your credit score as it affects a lot in the approval or non-approval of your loan application.

If you are with the required credit range, you may now opt to choose how to apply for a loan — you can either do it in person by visiting any J.G. Wentworth’s physical locations near you, or by filling out a form online that will provide you with a quote estimate, at the same time, give you the option to apply online.

Similar to any other mortgage application, you will be asked to provide your personal and financial information such as your address, Social Security number, as well as contact information. If you have a co-borrower, he or she needs to provide the same type of information as well.

As your application progresses, you will also be asked to provide employment details like tax returns and pay stubs, as well as your bank information.

By providing this information, the lender gets to verify your ability to afford monthly mortgage payments and the down payment as well.

After all the processes, the lender will then decide if you pass the qualifications, and then give you approval.

Once approved, as mentioned earlier, you will then have to coordinate a closing date and continue with your loan officer until you finalize the details on purchasing the property.


Similar to other reviews we made previously, this J.G. Wentworth mortgage review will not be complete without our list of pros and cons. This, hopefully, will help you determine if the lending company is the right one for you.


  • Provides various mortgage options including government choices like FHA, VA, and USDA (all these are ideal for low-income residents who want to be homeowners).
  • Have in-person offices in 14 states, which makes it ideal for non-tech savvy customers.


  • Unfortunately, the lending company is not licensed to operate in all 50 states.
  • Unlike other lenders that offer an online application process, J.G. Wentworth is not as cohesive.
  • The company charges various fees, which include the origination fee.
  • The lending company does not provide so much information particularly on rates on their website.


To sum it all up, J.G. Wentworth’s mortgage has its own highs and lows. Just like any other lending companies out there, it has its share of good and bad.

While it is ideal for people with high credit scores, it is also worth taking a chance for those low-income individuals who want to have a property of their own.

Do you fall into any of the brackets the company attends to?

Keep in mind, that while this J.G. Wentworth mortgage review provides you with all the essential information you need, and while we can recommend it to you, at the end of the day, the decision lies on you and your capability to repay the loan.

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9 Best Mortgage Lenders In The Country Today

The most ideal way to be able to find the right mortgage loan partner is to shop among the best mortgage lenders out there. By doing so, you are assured you get the best deals possible — the one that’s exactly what you need and can afford.

best mortgage lenders

Mortgage debt is the largest form of debt among consumers in the United States according to a report from Statista. As of 2019, the outstanding mortgage debt in the country was estimated at $16.01 trillion, and the number is expected to rise this year and the years to come.

Real talk – people want to eventually own their own home, and one of the best ways to attain that goal in as soon as possible is through a mortgage.

To be blunt, there is totally nothing wrong with that! In fact, it’s a good way to stay inspired and to keep working hard – knowing that you need to have enough money to pay for a mortgage loan, and eventually, pay it off so you can finally say, you own that home.


Now, when it comes to how to get a mortgage loan, there are actually a lot of options out there.

There are so many lending companies, banking institutions that offer really good rates when it comes to a mortgage loan. Of course, there are several factors to take into consideration, but as long as you qualify, then getting a loan should not be a problem.

When it comes to choosing a “partner” though, for your dream home, it is important that you do not settle immediately to one lender.

As much as possible, you go shop around for the best mortgage lenders so you get to compare deals and come up with an informed decision.

Now, to help you come up with a list of lending companies to check out (because admittedly, it could be hard and overwhelming, at the same time, knowing there are so many choose from out there), we are going to give you our list of best mortgage lenders to date.

But before that, we are going to share with you some important information first about the mortgage – particularly the following:

  • What is a mortgage?
  • What are the major types of mortgages?
  • How to find the best mortgage lenders?


Before we even talk about the best mortgage lenders, we thought it’s important for borrowers to fully understand first what mortgage is all about.

A mortgage is a type of loan that a borrower can get from a financial institution or lending company. The money is specifically intended for purchasing a home.

Similar to other forms of loans, mortgage comes with an interest. When a borrower gets into a mortgage with a lending company, it’s tantamount to a promise that you are going to repay the amount of money you borrowed plus the accrued interest.

Unlike personal loans, a mortgage does have collateral. In fact, the house you buy using a mortgage automatically becomes the collateral. This means that if in case you fail to pay off the mortgage, the lending company has all the right to foreclose the property.

It is important to note that the loan does not become a mortgage up until it is attached as a lien to the property. Thus, the importance of paying the loan on time and according to the terms you agreed to.


One thing’s for sure, not all mortgage products are equal to one another. While some have more stringent guidelines, others are not.

While there are lenders that might require a 20% down payment, others may require as little as 3% of the property’s purchase price.

Now, before you even seal a deal with a mortgage lender, it is also important that you are aware of the different types of mortgages available.

So, to give you an idea, below are some of the major types of mortgages available in the market today:

Conventional Mortgages

This refers to a loan that is not backed by the federal government but by Fannie Mae or Freddie Mac, two government-sponsored enterprises that buy and sell most conventional mortgages in the country.

To qualify for this type of mortgage, the borrower has to have a good credit history; stable employment, as well as income histories; and must have the ability to make at least a 3% down payment.

However, to be able to avoid the need for private mortgage insurance (PMI), generally, borrowers need to make a 20% down payment for the property.

Conforming Mortgage Loans

This type of mortgage loan is bound by the maximum loan limits that were set by the federal government. The limits depend on the geographical area.

Nonconforming Mortgage Loans

This type of mortgage loan cannot be sold or bought by Fannie Mae and Freddie Mac because of the loan amount or underwriting guidelines set. The most common type of non-conforming loans though is what they call “jumbo” loans, which is referred to as it is because of the loan amount usually exceeding conforming loan limits.

Government-Insured FHA Loans

This type of mortgage is ideal for low-to-moderate-income buyers purchasing a house for the first time who can’t qualify for a conventional loan. This type of loan is insured by the Federal Housing Administration.

Government-Insured VA Loans

This one’s specific to qualified military service members, veterans, and their spouses. For this type of loan, the U.S. Department of Veterans Affairs guarantees homebuyer loans.

Furthermore, borrowers are allowed to finance 100% of the mortgage with no down payment required.

Government-Insured USDA Loans

For this type of mortgage loan, the U.S. Department of Agriculture guarantees loans to help make homeownership possible for low-income buyers in the country’s rural areas.

This is ideal for homebuyers who cannot qualify for conventional loans, and have low income, and does not have enough money to pay for a down payment.


Now that you already know what a mortgage is and what the major types of mortgage loans are, this time around, we’ll share a few important tips on how to find the best mortgage lenders in town.

Tip 1: Build a strong credit. Before you even start sending mortgage loan applications, make sure you check your finances and fix whatever needs to be fixed. Strong credit is the key to the best rates and terms possible.

Tip 2: Slim down your budget. Do not aim for a high-priced property if you do not have the right income for it. Narrow your budget to ensure you are able to pay off the loan without any problem.

Tip 3: Know your options. There are several types of mortgages. Make sure you are well-aware of them and that you know which one fits you.

Tip 4: Compare among lenders. As mentioned, do not settle with one lender immediately. Make sure to take time to shop around and compare.

Meanwhile, sharing with you a very informative video by Homebuyer’s School wherein they share tips on how to choose the best mortgage lender:


As the last tip say, compare lenders.

At this point, we are sharing with you some of the best mortgage lenders in the country today. Of course, there are so many options available. There are a lot of them. However, trimming down your options and focusing on the best ones is the key to get into the right deal possible.

So, here are the companies that we thought you should check out (we arrange the list alphabetically):

  • Bank of America
  • Chase
  • Citi Mortgage
  • Guaranteed Rate
  • New American Funding
  • Quicken Loans
  • Rocket Mortgage
  • SoFi
  • Suntrust
Bank of America 5% 3.750%
Chase 3% 3.625%
Citi Mortgage 3% 3.125%
Guaranteed Rate 3% 3.750%
New American Funding 3% 3.500%
Quicken Loans 3% 3.99% (4.247% APR)
Rocket Mortgage 3% 4.56%
SoFi 10% 3.274%
Suntrust 3% 3.75% (3.8898% APR)


Apart from offering a wide range of retail banking, the bank also offers various types of mortgages, which include adjustable as well as fixed rate mortgages, jumbo loans, VA, FHA, and the ““Affordable Loan Solution” mortgage”. The latter refers to a program that was launched in 2016 to specifically help low-income buyers to get to buy their first home.

When it comes to credibility, Bank of America has it being one of the biggest financial institutions in the country. Needless to say, they’ve been around the banking industry for a long time now.

As with the reach and availability, the bank has several branches across all 50 states, which makes it very accessible to borrowers. In addition, they have mortgage lenders who are available to walk you through the whole loan process.

Although Bank of American is a giant, you may still find a number of bad reviews on the internet. So, to make sure, it would be better if you do your own research and also consider talking to a lender at the bank to know more about their products and services, especially about a mortgage.


Chase is another well-known bank in the country. When it comes to mortgages though, the bank has a major presence in this industry.

Apart from the fact that it has in-person mortgage experts in 30 states across the U.S. who are available to guide you through the loan process, Chase comes out on top of the lowest rate on fixed-rate mortgages as compared to other big lenders.

The bank practically offers any type of mortgage like adjustable-rate, FHA, VA, HARP, jumbo, and of course, fixed-rate.

Like Bank of America, Chase does have a special program called “DreaMaker Mortgage,” which is a mortgage grant that provides $3,000 assistance for either down payment or closing costs. More so, it does not have income limits, and that it provides down payment options for as low as 3%, which could be from gifted funds.


Citi Mortgage is related to Citibank, which is one of the country’s largest banks. With that, it’s no wonder why they are able to provide mortgage options to almost anyone who qualifies.

Citi Mortgage is ideal for borrowers who opt for either an FHA or VA loan. But generally, the institution offers a diverse set of loan products as well as terms and relationship discounts, which actually make it a top pick especially among first-time homebuyers.

One thing that Citi Mortgage must be proud of, apart from their outstanding products and services, is the fact that they do have high customer satisfaction ratings.


Guaranteed Rate is ideal for borrowers who have at least 620 credit score, solid credit history, and stable income but do not have enough money for a down payment.

This lending company offers various mortgages including FHA, VA, USDA, as well as various adjustable-rate mortgages and jumbo mortgages for purchase or refinance. They also offer cash out.

Although it has 170 physical offices across 50 states, Guaranteed Rate allows an online application, which makes the process easier.


As compared to other larger mortgage lenders, New American Funding is family-owned. However, over the years, it has grown to be one of the top 30 lenders in the United States.

New American Funding offers various types of mortgages including home equity, reverse mortgages, jumbo, fixed, adjustable, HELOCs, FHA, VA, USDA, as well as refinance and purchase.

Unlike most lending companies, New American Funding uses manual underwriting to evaluate a borrower’s creditworthiness. By doing so, they get to evaluate the borrower’s finances in a more comprehensive manner.

Although that is the case, the company offers the online application, as well as rate quotes, document upload, and loan tracking. A pre-qualification process may also be done online, but make sure to follow up on the prequalification letter.

What’s nice about the company is that they offer competitive rates and that they also have first-time home-buyer programs, which obviously is something first-time homeowners can take advantage of.

New American Funding also works with both state and local agencies to be able to help buyers with regards to payment assistance.


One thing that probably sets Quicken Loans apart from other lenders in our list is that it provides an easily accessible online application that automatically verifies a borrower’s income as well as employment. They also have mortgage advisors if you need one.

When it comes to loan terms, the lending company offers a wide selection of terms that range from five up to 30 years.

For borrowers who require an FHA-backed loan or products by Fannie Mae and Freddie Mac, you can easily walk away with a mortgage for a very low down payment of three percent.

Unfortunately, the company does not offer HELOCs (Home Equity Lines of Credit) or home equity loans. So, if you are looking at that, you better check other mortgage lenders instead.

Meanwhile, Quicken Loans only looks at a borrower’s credit score and debt-to-income ratio to qualify. Needless to say, the process is fairly straightforward. Often, the company provides an answer regarding the approval or non-approval of your loan application in just a matter of minutes.


If you are looking for either conventional or government-backed mortgages, then Rocket Mortgages is one of the best options around. The company offers various loan types including purchase, refinance loans, jumbo loans, adjustable-rate loans, as well as fixed loans, VA loans, FHA loans, and USDA loans.

Just like Quicken Loans, Rocket Mortgage does not offer home equity loans or HELOCs as well.

Unlike other mortgage lenders, Quicken Loans is a self-service, online, mobile-friendly mortgage company. The company lets you know about the amount you qualify for in just a few minutes.

Although they promote online mortgage loan applications, they do have available lenders in case you have questions.


SoFi is a leading online mortgage lender, which adds up to its credibility. It specializes in jumbo loans for borrowers who have a good income but does not have enough savings for a down payment.

SoFi offers a lot of perks — they do not charge an origination fee, no prepayment penalty fees, and to top it all, you can loan up to $3 million on either primary or secondary homes with a 10% down payment.

However, all these perks are only available for borrowers with excellent credit history and solid employment. Borrowers need to have a high range of income and must purchase or refinance a home in a state where SoFi is licensed to originate loans.

As with the whole application process, it could take as long as 30 days. But it’s going to be worth it anyway as long as you know you hit all the qualifications set by the company.

SoFi also offers a pre-approval process that won’t affect your credit.


SunTrust has a wide range of online mortgages with competitive interest rates.

You can opt for a 30-year or 15-year fixed loans, and 5-, 7-, and 10-year ARMs (adjustable rate mortgages), as well as jumbo loans.

For borrowers who do not have a standard 20% down payment or good credit history, do not worry as this lending company also provides other mortgage options like FHA, VA, and USDA Loans.

Furthermore, SunTrust also offers affordable loan programs, which they call as “Agency Affordable Financing,” which is made possible through Fannie Mae and Freddie Mac.

This particular program is ideal for homebuyers who can only pay a 3% to 5% down payment.


You see, there are so many mortgage lenders out there. Needless to say, there are a lot of best mortgage lenders competing with one another, offering the best possible deals among borrowers.

While it may get a little overwhelming choosing one among a sea of options, it is, for sure, worth it and satisfying in the end.

So, have you decided which mortgage lender to deal with yet?

Keep in mind that choosing one among the best mortgage lenders is the best thing to do. That way you are assured of getting only the best deals and terms, needless to say, you get to enjoy a few other exciting perks.