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The volatility of the mortgage business
runs counter to the way banks work:
Interest rates trump relationships. The
products and services you offer should
help you keep customers,
not encourage them to leave.


The Harmony Loan™ from Mortgage Harmony Corp.™
enables banks to offer higher quality loans, improve
customer lifetime value and retain loan officers.

Offer higher quality loans

You know the drill: Interest rates go down and you lose customers as they refinance. Each time you write a new loan to replace it, you incur hefty transaction costs. With the Harmony Loan, the loan officer is incentivized to reset the interest rate for the customer, greatly increasing the chances your customer will remain your customer. And wiping out ongoing transaction costs.

Improve customer lifetime value

The longer you keep a mortgage customer, the more opportunity you have to build a relationship and serve their other financial needs. The average life of a mortgage today is two to three years. Our data suggest the average customer will stay in a Harmony Loan for at least six to nine years.

Retain loan officers

Loan officers tend to build sustainable relationships with customers. Not with banks. When a loan officer sells a Harmony Loan, he or she is paid a commission up front, but also receives an annual commission to manage the loan and keep interest rates current. Finally, loan officers have a reason to stick with you.

To learn more about how we work with our bank partners, click here.

How are the loan officers trained?
Mortgage Harmony provides product and platform training to its customers’ sales forces. The training includes educating the loan officer on the characteristics of the Harmony Loan product as well as its benefits to the homeowner and loan officer. The loan officer training is provided on location at the customer’s site. It is presented by experienced mortgage industry professionals fully versed in the complexities and components of the Mortgage Harmony Platform.
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What marketing materials are available?
Mortgage Harmony provides detailed marketing information that describes the Harmony Loan product, the consumer benefits, and compares and contrasts it with the mortgage refinance consumer option. Additional market materials include flyers and ads, brochures, statement stuffers, thank you notes and sample rate sheets.
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