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1 8 Best Louisville Mortgage Refinance Companies
https://www.expertise.com/ky/louisville/mortgage-refinance
Best Mortgage Refinance Companies in Louisville · We did the research for you! · American Mortgage Service Co. · Century Mortgage · First Commonwealth Mortgage Corp.
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2 Current Kentucky Mortgage and Refinance Rates | Bankrate
https://www.bankrate.com/mortgages/mortgage-rates/kentucky/
Bankrate has offers for Kentucky mortgage and refinances from top partners that are well below the national average. Compare, apply, and start saving today.
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3 Compare today's mortgage and refinance rates in Louisville
https://www.nerdwallet.com/mortgages/mortgage-rates/kentucky/louisville
Shopping for the lowest Louisville, KY mortgage and refinance rates? Save money by comparing your free, customized Louisville mortgage and ...
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4 Find Refinance Rates in Louisville, KY - Trulia
https://www.trulia.com/refinance-rates/,KY/
Looking for current refinance rates in Louisville, KY? Here's how to use our refinance rate tool to find competitive interest rates.
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5 Refinance a Home in louisville, KY - Old Colonial Mtg
https://ocmrates.com/refinance/
Lower your rate and monthly payment right NOW! Get a FREE quote on a home refinance that could save you thousands of dollars per year.
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6 Louisville Refinance Mortgage Rates & Home Purchase ...
https://www.erate.com/kentucky/louisville-refinance-mortgage-and-city-info
Louisville local mortgage lenders at a glance. ... Louisville, KY 40211. Phone Number: 800-BANK-BBT ... Current Mortgage Loan Rates for Cities in Kentucky ...
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7 Compare Louisville, KY Mortgage Rates and Loans
https://www.realtor.com/mortgage/rates/Louisville_KY
Current rates in Louisville, Kentucky are 6.45% for a 30 year fixed loan, 5.79% for 15 year fixed loan and 6.56% for a 5 year ARM. Louisville Mortage Rate ...
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8 How To Refinance - Louisville Mortgage Lenders
https://louisvillemortgagelenders.com/refinance-rates-kentucky/how-to-refinance/
How To Refinance a Home Louisville KY How to refinance a home loan or an existing mortgage is a question on a lot of Kentucky home owners minds these days.
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9 Today's mortgage rates in Kentucky - U.S. Bank
https://www.usbank.com/home-loans/mortgage/mortgage-rates/kentucky.html
Compare Kentucky mortgage rates for the loan options below. Compare current refinance rates today. See refinance rates ...
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10 Compare Today's Refinance Rates in Kentucky - Zillow
https://www.zillow.com/refinance/ky/
The current average 30-year fixed refinance rate fell to 6.88%. Kentucky's rate of 6.88% is 4 basis points lower than the national average of 6.92%.
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11 Home Loans, Refinancing & More in Louisville, KY - Mr. Cooper
https://local.mrcooper.com/kentucky/louisville/
Turn to Mr. Cooper in Louisville, KY for help with home loan or loan servicing in Louisville. We help with all aspects of home buying.
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12 Mortgage Company in Louisville | PRMI Louisville
https://www.primeres.com/louisville
Trusted Mortgage Company in Louisville, KY. Getting a mortgage, refinancing an existing one or tapping into your home equity can sometimes be challenging.
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13 Quick Mortgages With No Closing Cost in Louisville, KY
https://mortgagewarehouse.com/locations/louisville/mortgages-lousiville/
Quick Mortgages With No Closing Cost in Louisville, KY. At Mortgage Warehouse, we provide quick and easy mortgages with no closing costs in Louisville and ...
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14 Future Homebuyers - KHC Refinance Products
https://www.kyhousing.org/Homeownership/Future-Homebuyers/Pages/KHC-Refinance-Products.aspx
To qualify for a KHC refinancing option, you must contact an approved lender and meet the requirements below: ... 1231 Louisville Road, Frankfort, KY 40601
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15 Visit our location in Louisville, KY - Interlinc Mortgage
https://interlincmortgage.com/louisville
This is the 3rd time using the Chris Squires Group - InterLinc Mortgage Services…two home purchases and one refinance. I have bought other properties in the ...
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16 Louisville Kentucky Mortgage Lender for FHA, VA, KHC ...
https://www.mylouisvillekentuckymortgage.com/
Think about why you want to refinance. Is because you want to lower your monthly payments, to change the type of loan you are in or to take cash out from your ...
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17 Bay Equity Louisville
https://bayequityhomeloans.com/louisville/
Loan Calculators. Use the calculator links below to help plan your home purchase or refinance. Please note, the results are only estimates.
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18 Kentucky Mortgage & Refi Rates | Today's KY Home Loans
https://www.interest.com/mortgage/ky-rates/
Current Kentucky Mortgage and Refinance Rates ; 30-Year Fixed Rate, 6.850%, 6.950% ; 15-Year Fixed Rate, 6.230%, 6.320% ; 5/1 ARM Rate, 5.630%, 5.960% ; 30-Year ...
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19 Louisville, KY - First Community Mortgage
https://www.firstcommunitymortgage.com/louisville-ky/
Refinance Your Current Mortgage. Toggle Switch.
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20 33 Refinance / Cash Out Lenders in Louisville, KY
https://www.hardmoneyhome.com/cash-out-refinance/louisville-ky
Refinance / Cash Out Loans in Louisville, Kentucky. Louisville, KY has 33 private money lenders operating within the city. Loan amounts average about ...
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21 Mortgage Lending Advisors in Louisville, Kentucky
https://homelendingadvisor.chase.com/ky/louisville
Find a Home Lending Advisor. Whether you're looking to buy or refinance a home, improve your existing one, or understand what assistance programs you qualify ...
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22 Encore Mortgage LLC: Louisville KY Home Loans | Purchase ...
https://www.yestoencore.com/
Shop for your new home loan or refinance an existing mortgage in Louisville KY. We offer many lending options with great rates and exceptional service.
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23 Mortgage Refinancing - Cumberland Valley National Bank
https://www.cvnb.com/personal/mortgage-refinancing
CVNB helps Kentucky customers manage home ownership goals with mortgage refinance loans that can lower monthly payments or free up cash for home ...
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24 Louisville, KY Mortgage Lender
https://crosscountrymortgage.com/Louisville-KY-2906/
We have the knowledge and experience to find the loan that's right for you. Whether you are buying, refinancing, or renovating, our team is ready to give you ...
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25 Fairway Independent Mortgage Corporation: Home Loans ...
https://fairwaykentuckiana.com/
Get LOW mortgage rates in seconds. Use our online pre-approval tool or our refinance rate checker -- don't miss out on these deals! ... Louisville, KY 40223
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26 About Us - Swan Financial Corporation
https://www.swanhelp.com/mortgage-services/
When you decide to buy a home or refinance a mortgage in Kentucky, it's a big step. ... With Swan Home Loans of Louisville KY at your side, refinancing your ...
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27 Compare Fixed & ARM Home Mortgage Refinance Rates in KY
https://www.mortgagecalculator.org/mortgage-rates/kentucky.php
Many of the homes foreclosed on in Kentucky had adjustable-rate mortgages that started with an interest-only option. In comparison, the Louisville and Jefferson ...
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28 Compare Today's Mortgage Rates in Kentucky - SmartAsset.com
https://smartasset.com/mortgage/kentucky-mortgage-rates
Overview of Kentucky Mortgages ; 30 year fixed, 6.75%, 6.75% ; 15 year fixed, 4.00%, 3.63% ; 5/1 ARM, 4.63%, 2.00% ; 30 yr fixed mtg refi, 7.49%, 7.49% ...
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29 Today's Mortgage Rates In Kentucky
https://themortgagereports.com/mortgage-rates/kentucky
See current mortgage rates in Kentucky from top lenders. Includes 30-year mortgage and refinance rates for KY. Save money by comparing rates today.
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30 Kentucky Best Mortgage Lenders & Rates of 2022 | US News
https://money.usnews.com/loans/mortgages/state/kentucky-mortgage-lenders
Lower.com, established in 2018, can help you finance, refinance, insure or save for a home, and find a real estate agent. The New Albany, Ohio, lender delivers ...
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31 First Fidelity Mortgage, Inc. | Mortgage Brokers in Louisville KY
https://www.ffmlending.com/
Expert Mortgage Brokers in Louisville, KY at First Fidelity Mortgage, Inc. offer a wide variety of Mortgage Service to clients across Louisville & the ...
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32 Today's mortgage and refinance rates in Kentucky
https://www.businessinsider.com/personal-finance/kentucky-mortgage-rates
Lock in a low interest rate on your home in Kentucky, and receive down payment assistance from the state or Louisville government.
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33 Securitas Mortgage
https://www.securitasmortgage.com/
Located in Louisville, KY, we are committed to offering the lowest rates and closing costs along with making the mortgage process smooth, quick and stress ...
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34 Mortgage Refinancing | Ashlee Napier, Louisville, KY
https://lo.primelending.com/ashlee.napier/refinance-home/mortgage-refinancing
If mortgage interest rates have dropped significantly since you bought your home, you may choose to refinance your mortgage with lower rates. This could help ...
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35 Louisville | Ruoff Mortgage
https://www.ruoff.com/lending-centers/louisville
The Louisville branch of Ruoff Mortgage serves the Louisville, Kentucky and Jefferson County area. Regardless if you've been born and raised in The ...
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36 Home Mortgage Loans - Louisville, KY - Eclipse Bank
https://www.eclipsebank.com/loans/personal-loans/home-mortgage-loans.html
Competitive rates for home purchase, refinance, or construction; Available for primary residence, second homes, vacation homes, or investment properties ...
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37 Kentucky Mortgage Experts - The Home Loan Expert
https://thehomeloanexpert.com/locations/kentucky/
Cash-out refinance: Switch equity for tax-free cash by refinancing to a larger loan amount. A fabulous option for paying off significant debts, financing ...
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38 Countryside Mortgage: Louisville Kentucky Home Loans
https://www.csmloan.com/
Welcome to Countryside Mortgage “Where Great Rates meet Great People” Most Important to Us is Customer Satisfaction! Our customers know us for competitive ...
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39 Louisville Mortgages | Home Loans - Stockton Mortgage
https://stockton.com/locations/breckenridge/
Stockton Mortage Corporation is taking care of Louisville mortgages; offering a variety of home loan options some with low or no down payment.
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40 Home Refinance | KY Bank Mortgage Refinance Rates
https://www.paducahbank.com/Personal/Borrow/Home-Mortgages/Home-Refinance
Let us refinance your KY mortgage and reduce your interest rate. ... You can also visit one of our Paducah or Louisville, Kentucky branches by scheduling an ...
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41 2022's Best Mortgage Lenders in Louisville, KY - WalletHub
https://wallethub.com/mortgage-lenders/louisville-ky
Best Mortgage Lenders in Louisville, KY · Liberty Financial · Wilson & Muir Bank & Trust Co. · Eclipse Bank · Citizens Union Bank · South Central Bank · River City ...
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42 Clear Mortgage, LLC: Home
https://clear-mortgage.com/
Louisville, Kentucky. ensure clear results by working with Clear Mortgage, LLC. When it comes to mortgages and refinancing, the future is CLEAR.
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43 First Commonwealth Mortgage | Home Mortgage and ...
https://firstcm.net/
At First Commonwealth Mortgage, our experts are dedicated to finding the mortgage solution that best suits your needs.
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44 Mortgage & Refinancing Experts in Kentucky - Supreme Lending
https://local.supremelending.com/area/kentucky/
Supreme Lending – Mortgages and Home Loan Refinancing in Kentucky ... 108 Daventry Lane, Suite 201, 203, 205, Louisville, KY 40223. Branch NMLS #1972557 ...
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45 Movement Mortgage - Louisville, KY Branch - NMLS 1590492
https://m.facebook.com/850625472111397
We have adjusted our refinance lock policy to help serve more borrowers! We are committed to doing our part for our country by extending credit, lowering...
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46 Louisville, KY - EMM Loans
https://www.emmloans.com/louisville-kentucky/
​Our Louisville branch at 12700 Townepark Way, Suite 305, Louisville KY 40243 is home to some of our great Loan Officers.
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47 Louisville - Union Home Mortgage
https://www.uhm.com/branches/louisville-ky/
Looking to apply or get prequalified for a mortgage? Contact our Louisville, Kentucky branch. Offering products for purchase or refinance: FHA, 203K, ...
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48 Louisville , KY - loanDepot
https://www.loandepot.com/branches/louisville-ky
Run as many different scenarios as you'd like to see how much home you can afford. Purchase Calculator; Refinance Calculator. Use this mortgage loan calculator ...
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49 Kentucky Mortgage Broker | Lightpoint Mortgage Company, Inc
https://lightpointmortgage.com/
Shop Mortgage Options & Compare Rates for FREE! Use one of our quick & easy tools to find out what you qualify for! Home Purchase Qualifier Refinance Rate ...
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50 Refinance - Motto Mortgage
https://www.mottomortgage.com/offices/flex-louisville/mortgage-basics/refinance/
This page contains a list of titles covering home loan refinance basics. ... Should I refinance if I plan on moving soon? ... Louisville, KY 40203
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51 Greystone provides $31 million loan for refinance of Louisville ...
https://rejournals.com/greystone-provides-31-million-loan-for-refinance-of-louisville-apartment-property/
... a $31 million Fannie Mae Delegated Underwriting and Servicing Green Rewards loan to refinance a 189-unit multifamily property in Louisville, Kentucky.
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52 Rocket Mortgage: Refinance Or Apply For A Mortgage Online
https://www.rocketmortgage.com/
Learn how the Rocket Mortgage process works and get approved online to buy a home or refinance your mortgage.
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53 THE BEST 10 Mortgage Brokers in Louisville, KY - Yelp
https://www.yelp.com/search?cflt=mortgagebrokers&find_loc=Louisville%2C+ky
N.1 Nick Ellis - Benchmark Mortgage. 4.5 mi. 18 reviews · 1202 S Third St, Louisville, KY 40203. (502) 371-5005 ; N.2 Century Mortgage Company. 6.2 mi. 3 reviews.
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54 Best 30 Auto Refinance in Louisville, KY with Reviews - YP.com
https://www.yellowpages.com/louisville-ky/auto-refinance
Auto Refinance in Louisville on YP.com. See reviews, photos, directions, phone numbers and more for the best Financial Services in Louisville, KY.
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55 Movement Mortgage - Home Loans and Refinance
https://movement.com/
Get approved. Move home. Love people. Experience loan and refinance process designed for you — with profits designed for others.
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56 Contact Us - Statewide Mortgage
https://statewidemortgage.com/contact-us
MORE THAN A LOAN ; HEADQUARTERS - LOUISVILLE 10140 Linn Station Rd. Louisville, KY 40223. Phone: 502-585-5626. Fax: 502-340-1199 ; BOWLING GREEN 1240 Ashley ...
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57 Home Loans in Louisville, KY | Mutual of Omaha Mortgage
https://www.mutualmortgage.com/about-us/locations/louisville-ky
Mutual of Omaha Mortgage offers a complete line of residential mortgage, refinancing, and specialty loans. We employ a knowledgeable staff of experienced Loan ...
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58 Home Page Kentucky Higher Education Student Loan ...
https://www.kheslc.com/
Refinance. 3.54% - 6.82%* ... KHESLC PO Box 24328 Louisville, KY 40224-0328. Facebook icon Twitter icon AICPA icon. © 2022 The Kentucky Higher Education ...
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59 Auto Loan Refinancing - Commonwealth Credit Union
https://www.ccuky.org/my-life/borrow/auto-loan-refinancing
like a mortgage, you can also refinance an auto loan. ... throughout Kentucky, serving as the official credit union of the University of Louisville.
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60 TBF MORTGAGE: Home
https://www.tbfmortgage.com/
Refinance. d8MrrV_t20_loNmmg.jpg. 0wvnLQ_t20_OLl1zE.jpg ... 1 Moock Rd. Wilder, KY 41071. Tel 859-888-2002. © 2020-2021 | TBF Mortgage Corporation.
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61 Mortgage Processor Candidate Profiles in Louisville, KY | Robert Half
https://www.roberthalf.com/employers/candidate-search?keywords=Mortgage%20Processor&location=Louisville,%20KY
Search Mortgage Processor candidate profiles in Louisville, KY from Robert Half. Browse our candidate database to quickly find the right fit for your open ...
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62 Mortgage Rates | Refinance | Home Loans | John Allen
https://www2.amerisave.com/lo/jallen
John was born in Louisville, KY and is a huge fan of both the University of Kentucky Wildcats and the Atlanta Braves. He graduated from Western Kentucky ...
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63 About Us - L&N Federal Credit Union Mortgage Center
https://lnfcu.mymortgage-online.com/AboutUs.html
L&N Federal Credit Union is open to everyone in the Louisville Metropolitan Area, as well as to people in portions of Southeastern and Northern Kentucky.
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64 Robinson Mortgage Group, LLC.: Louisville Mortgage Broker
https://robinsonmortgage.com/
Get low mortgage rates in seconds with a Louisville Mortgage Broker. Use our FREE online pre-approval tool or our refinance rate checker.
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65 United Mortgage Lending Corp: Kentucky Mortgage Broker
https://unitedlending.mortgage/
Get low mortgage rates in seconds with a Kentucky Mortgage Broker. Use our FREE online pre-approval tool or our refinance rate checker.
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66 Vanguard Mortgage, LLC: Louisville Mortgage Broker
https://vanguardmortgage.com/
Get low mortgage rates in seconds with a Louisville Mortgage Broker. Use our FREE online pre-approval tool or our refinance rate checker.
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67 How to Refinance a Car Loan | Don Franklin Auto
https://www.donfranklinauto.com/finance/finance-insurance-information/how-to-refinance-a-car-loan/
Did you know you can lower your monthly payments on your car loans? Just like a home loan, refinancing a car loan is an option for many Louisville, KY ...
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68 Little-known benefits of mortgage refinance – More than just ...
https://www.weselllouisville.com/how-to-refinance-your-louisville-home/
Are you someone who is struggling to make your monthly mortgage payments due ... you all the listings and current updates available for the Louisville area.
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69 Chosen Mortgage Team of AnnieMac
https://louisville.annie-mac.com/mortgage/calculator/refinance
At AnnieMac, we believe you deserve more from the mortgage industry, so we provide more. ... Louisville, KY Logo NMLS 338923 ... Should I Refinance?
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70 Refinance a Home in Louisville
https://wmsource.com/refinance/
Use our refinance rate checker and lower your mortgage rate and payment today -- don't miss out ... 303 Middletown Park Place, Unit D Louisville, KY 40243.
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71 Select Mortgage Advisors FHA, USDA, VA, Conv, Reverse
https://selectmortgageadvisors.com/
... mortgage broker in Louisville, Kentucky with the best mortgage rates. ... Purchasing your dream home, refinance to a lower payment, or to use your ...
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72 Personal Loans in Louisville, KY Branch - Mariner Finance
https://loans.marinerfinance.com/branch-locator/kentucky/personal-loans-in-louisville-ky
Looking for a personal loan in Louisville, KY? Our Louisville, Kentucky branch welcomes you for personal loans that fit your needs.
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73 Kentucky Mortgage Group
http://www.kymortgagegroup.com/
Kentucky Mortgage Group (KMG) is committed to helping you find the right mortgage product ... We offer a wide variety of products for refinance, purchase, ...
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74 Home Mortgage Loans & Financing | Wells Fargo
https://www.wellsfargo.com/mortgage/
4 reasons to consider refinancing your mortgage. Refinancing can help you reduce the interest you pay or cut the time it will take to pay off your loan — or ...
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75 Louisville Mortgage Rates, Refinance, KY Home Equity Loan ...
https://www.lender411.com/mortgage-rates/Louisville-Kentucky/
Lender411.com helps you shop for the Best Louisville Mortgage Rates. We compare over hundreds of Louisville mortgage lenders and brokers to find the lowest ...
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76 Refinance Options - Republic Bank
https://mortgage.republicbank.com/s/refinance-options?language=en_US
Refinance Loans. Refinancing. Refinancing your mortgage can lower your monthly payment, get you a lower ... 601 West Market Street | Louisville, KY 40202
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77 Mortgage Network – Louisville Kentucky's locally owned full ...
https://mortgagenetwork.net/
Mortgage Network is a Louisville-based independent broker specializing in residential mortgages throughout Kentucky and Indiana. Our team of professional ...
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78 Mortgage Types - Park Community Credit Union
https://parkcommunity.com/home-loan/mortgage-types/
Subject properties located in Louisville's West End will have the following exclusive features Refinance or purchase (Owner occupied only). Owner occupied 2- ...
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79 Kentucky Auto Refinance - OpenRoad Lending
https://www.openroadlending.com/orl_ard/kentucky-auto-refinance-directory/
Online Auto refinancing for the state of Kentucky. ... That all ends now where you can find the best car refinance loans in Louisville.
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80 BBB Accredited Refinancing near Louisville, KY
https://www.bbb.org/us/ky/louisville/category/refinancing
BBB Accredited Refinancing near Louisville, KY. BBB Start with Trust ®. Your guide to trusted BBB Ratings, customer reviews and BBB Accredited businesses.
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81 Platinum Mortgage, LLC: Conventional, FHA, and VA Home ...
http://www.platinumhomeloan.org/
Welcome to the official site of Platinum Mortgage, LLC. We are a full-service mortgage company based in Louisville, KY. We specialize in Conventional, FHA, ...
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82 Refinance by Mitch Karcher - CMG Lending Co. in Louisville, KY
https://www.alignable.com/louisville-ky/mitch-karcher-cmg-lending-co/refinance
› louisville-ky › refinance
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83 Louisville, Kentucky 20-Year Fixed Jumbo Mortgage Rates 2022
https://www.bestcashcow.com/refinance-mortgage-rates/20-year-fixed-jumbo-ky-louisville
› refinance-mortgage-rates
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84 JPMortgage Company –
https://jpmortgageky.com/
An FHA loan is a mortgage insured by the Federal Housing Administration that ... owned and operate business branches in Louisville and Bardstown, KY.
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85 American Mortgage Service Company
https://americanmortgage.com/
One of the Best Mortgage Refinance Companies in Louisville ... Expertise.com scored 305 Mortgage Refinance Companies in Louuisville, KY and picked the top ...
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86 Shawn Neely: Louisville KY Mortgage Loan Officer
https://www.shawncneely.com/
A great site to learn about mortgages Shawn C Neely is a Louisville KY mortgage loan officer but also licensed in FL, GA, VA, MD, TN, IN, ...
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87 Louisville KY Mortgage Reviews - Experience
https://pro.experience.com/reviews/office/louisville-ky-ret
The refinance process from start to finish was easy, communication was clear and consistent. The website was easy to understand.
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88 Mortgage Broker Louisville KY | Home Loans in Louisville
https://loansolutionsnow.com/louisville-mortgage-broker/
American Mortgage Solutions has offices in Louisville, and is licensed to help borrowers buy homes or refinance throughout the state of ...
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89 Louisville Down Payment Assistance Program - FHA
https://www.fha.com/grants/louisville-kentucky-down-payment-assistance
It's available to any homebuyer that is looking to purchase an existing or newly constructed home in the Louisville Metro area. ... FHA Refi and Purchase ...
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90 Best Lenders in Louisville Kentucky - BiggerPockets
https://www.biggerpockets.com/forums/86/topics/887681-best-lenders-in-louisville-kentucky
Hey everyone! I'm looking to move forward to buying my first house! I'm looking to find the best lenders in the Louisville area. Probably going to sho.
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91 Best auto loan rates In Louisville Metro - Datatrac
https://www.datatrac.net/rates/auto/Kentucky/Louisville_Metro/16952
› rates › auto › Kentucky › Lo...
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92 Home Loans | Louisville, Lexington, Owensboro
https://www.transcendcu.com/mortgage-loans
Transcend Credit Union provides home mortgage loans for members across Louisville, Lexington, and Owensboro Kentucky.
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93 Top Louisville FHA Lenders
https://fhalenders.com/louisville-fha-lenders/
Population (metro Area), 1,300,000 ... Louisville FHA lenders also offer the FHA streamline refinance program is available to existing homeowners who would ...
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94 Kentucky | Churchill Mortgage Locations
https://www.churchillmortgage.com/branch-location/ky
Ramsey Customer Care Team. If you're working through you're baby steps and interested in buying a home or refinancing, our Ramsey Tribe Service Team is ready to ...
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95 Jeremy P Abrams, Louisville, KY - NMLS# 426743
https://www.fairwayindependentmc.com/lo/jeremy-abrams-426743?nmls=426743
Whether you're looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Here at Fairway Independent Mortgage ...
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96 3 Best Mortgage Companies in Louisville, KY - ThreeBestRated
https://threebestrated.com/mortgage-companies-in-louisville-ky
Mortgage Warehouse brings expertise and customer service. Specialty: USDA, Conventional, Purchase, Refinance, VA ...
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97 Louisville Mortgage Brokers | Mortgage Rates & Home Loans ...
https://www.metromortgageky.com/
We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we ...
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