We guarantee your 100% satisfaction of our products and services and back  this guarantee with a full one year 100% money back offer for an entire one  year. (12 Months). If at the end of one year you are not totally convinced that  our service is worth while to your organization we will refund the entire first  year of fees paid.  No questions asked. On the other hand if you are satisfied  with our programs we ask that you refer our service to another mortgage  business that does not directly compete with you.