"Market Alert is a money maker and more importantly, a money saver!"

J. Guggenheim
Princeton Mortgage Corporation
Pennington, NJ

"Market Alert has allowed me to stay on top of all market conditions, and as a loan officer, the key to making the $ is when you lock. Market Alert allows me to know exactly when to lock those loans."

K. Bazzell
Integrity Mortgage Corp. of Texas
Dallas, TX

"The need to stay in touch with current market pricing and its ever-changing direction is more important today than ever.   There is also a need to have well researched and timely market commentary to help you make critical marketing decisions that is vital in today business environment.

If your needs are as described above, and you could have this at a price that won't bankrupt your company, then you owe it to yourself to give "Market Alert" a try.  Not only do I depend on "Market Alert" to help me through my daily business decisions.  In addition, our entire sales staff of 130 Account Executives has been given access to "Market Alert".  Market Alert has proven to be a great marketing tool."

D. Bowers
Flagstar Bank
Bloomfield Hills, MI

"Your service is totally awesome!"

W. Mowrey
Colonial National Mortgage
Dallas, TX

"I recently changed Banks, and needed to convince the new institution
that the $50 / month fee for Market Alert would be money well spent.
Because of the system, we usually save / make 10 times the fee every
month."

D. Wells
Bank of the Ozarks
Little Rock, AR

"I didn't understand or know how to follow the market until I started to
subscribe to your service.  Makes a huge difference in the way I do
business."

R. Ramos
Wells Fargo
Stuart, FL

"Market alert has made me thousands of dollars. Everyone who originates mortgages should have it."

M. Svihel
Advisor's Mortgage
Bloomington, MN

"Market Alert provides me accurate and current market data that allows me to meet the needs of my customers and their finance decisions."

J. May
Home Security Mortgage
Fredericksburg, VA

"More important than making me extra dollars, Market Alert has SAVED me THOUSANDS!"

B. Merritt
Colonial National Mortgage
Dallas, TX

"Larry's market alert service is second to none.  I cannot tell you how many times this service has saved our company thousands of dollars when it comes to watching the market and locking loans.  I will not let my loan officers work for this company without Larry's market alert. His service is a must in the industry."

J. M. Hammond
Senior Vice-President
Fairway Mortgage
Arlington, TX

"Market Alert has been a wonderful tool to help in the process of when to lock and when to not lock my floating loans.  The money I have saved has paid for this service many times over.  I have thrown away my dart board!"
B. Neal
Amerinet Mortgage
Austin, TX

"Market Alert has been of great value in providing me real time market movement information whether I am in or out of the office.  This has resulted in increased efficiency and profitability."

D. Simons
West Coast Bank
Vancouver, WA, Portland, OR

"I have used Market Alert in my mortgage business for 4 years and feel it is a very important tool in my pipeline management.  Larry has been right on in his forecasts more times than not and his in depth analysis is helpful in customer education. I can't afford not to subscribe..."

R. l. Myers
President
Pikes Peak Mortgage
Colorado Springs, CO

"Market Alert doesn't cost me money, it makes me money.  The ability to lock in loans before negative price changes come or wait until the next day when the market is favorable has made me way more money than the cost of the service.  The added benefit is my clients are impressed that I have my finger on the pulse of the market."

B. Lowden
Tucson, AZ

"The Market Alert services have allowed me to save my customers countless thousands by providing up to the minute market information so that we can either take advantage of the lowest rates possible or prevent disaster by getting loans locked before a major upheaval in mortgage rates. This has equated to more business by referral from happy customers. Your weekly Viewpoint and Daily commentaries provide me the words to communicate to realtors and customers what the current interest rate environment may be.

Thank you Market Alert and Larry Baer for helping me provide outstanding service, make more money and generate more loans! I have recommended you to all of my friends in the business."

P. Forrester
Wells Fargo Home Mortgage
Coppell, TX

"During our 15 years in business we continually had difficulty tracking the
price of underlying securities that drive daily mortgage rates. Market Alert provides a tool that solves this problem and delivers the most current price information available in the market today. The forecasting of relevant economic data along with timeliness of the Market Alert service proves useful and profitable in the successful management of any lenders pipeline."

W. Meacham
Colorado Online Mortgage
Colorado Springs, CO

"I'd be happy to let anyone know how much help Market Alert has been over the years!  It is an immediate way of knowing where the market is at a particular moment and in which direction it seems to be heading!  It has saved me countless dollars when we have had sudden spikes in the rates!  It's a great service and I really appreciate it!"

S. Parish
CHM Partners, LP
Houston, TX

"Larry, Your Market Alert service saves me hundreds and often thousands monthly.  The timely alerts I receive on my mobile phone allow me to lock or float my loans based on market movements. In addition, your economic data and commentary give me professional insight to use in my daily business."

B. Chiles
First National Bank of Onaga
Merriam , KS

"Larry Baer's Market Alert and the pager notification system have enabled me to read the market and anticipate rate movement for the last 9 years.  I have made a great deal of money and protected my clients from dramatic movements in the market thanks to this system.  I personally feel like any loan officer not using Larry Baer is "running naked in a field of thorns".

B. M. Winter
Branch Manager/Sr. Loan Officer
Jefferson Mortgage Services
Flower Mound, TX

"The only way I can describe your service is "Excellent". I am floored when I across people in our industry who do not have access to the information Market Alert provides.  Countless times our company has avoided substantial loss and gained thousands of dollars based on having up to the second mortgage bond pricing information. It would be foolish for any loan officer or mortgage broker not to subscribe to Market Alert. I know that the knowledge gained and money made will pay back exponentially to anyone of reasonable intelligence willing to invest in this service."

M. Lohmann
Frontier Mortgage
St. Louis, MO

"Market Alert on the internet has been a life saver for me.  I need to know up to the minute what the bond market is doing so that I can help my customers get the best rate possible.  Also knowing what the upcoming economic figures are helps me plan whether to float or lock my loans.  I could not be as effective as I am without Market Alert."

L. Snipes
Vice President
Ameriplex Mortgage
Fort Worth, TX

"I believe that market alert has enabled me to maximize my commissions per loan.   The information that is specifically tailored for pipeline
management has been invaluable to my day to day business as a mortgage originator.  I depend on the in depth market, and daily analysis to help me understand where interest rates are going.  The thing I like the most is that if I don't understand something or would like an explanation you can pick up the phone and call Larry direct.  I have been a happy customer since day one, and just couldn't imagine doing my job without this service!"

P. Mazzaferro
Western States Mortgage
Issaquah , WA

"Dear Larry Sir:
I'll never forget my first week using your amazing system, I locked loans
ahead of price changes saving me hundreds of dollars.  The second week I held up on locking because the market improved, in two weeks I gained $3,225 in extra commissions!  I keep your screen up throughout the day, over the years I have definitely increased my income tremendously...it's the best tool available to watch the market. In just two weeks I paid for several years of this incredible minute by minute update of the market.  I owe you many -thanks!"

C. Rusnak
Plaza Mortgage Home Services
Overland Park, KS

"To the prospective client of Market Alert:

I am a net branch manager for a national mortgage banker, and I have been using this service for just about a year. I manage just the pipeline for the branch, not much over a couple of $MM per month.  I suppose I make at least 1000% return on my monthly investment Larry's services (and that's on my own production alone!): I now require all locks to come through me; I honor the locks as submitted to me by my loan officers, and I lock them or float them subject to Larry's advice, making another 500% return on my investment! As further evidence of the accuracy of
Larry's service, I can regularly anticipate my company's midday price adjustments, either way.

This is the absolute truth about my experiences with Larry."

T. Wilson
Indianapolis Indiana

"Save money, subscribe, and be "alert" before the market changes by
subscribing with Market Alert.  Simply put - speaking from experience!"

R. Williams
Fairway Mortgage
Arlington, TX

"I have known Larry and used his service for over 12 years, to put it mildly he has made me at least an extra .25 point on my total production for as long. I am constantly being asked how I always manage to pick the day to lock by my clients and other loan officers, unfairly to Larry I usually just given them a wry smile. I can't imagine trying to manage my pipeline without Market Alert, it would be folly."

G. Dranow
MortgagesMadeEZ.com
Salt Lake City, UT

"I must say with the business I'm in, having used Market Alert has greatly helped me and my clients and keeping me on top and in touch with the Market and the sudden changes that can happen."

A.Nielson
City Wide Mortgage
St.George, UT

"I have come to rely on the timeliness of the reports and analysis in locking my pipeline at the optimum time. A great tool for a busy Mortgage Broker."

W. D. McCall
MastersTouch Mortgage Corporation

"Market Alert is a great system- I have been in the mortgage business for over 20 years and without a doubt your system has made me thousands of dollars.  I am able to make my moves before many of the pricing desks of the lenders we use.  When I make a move I usually flood my lender with up to 50 loans at a time.  They call me to see what is going on.  You do the math 50 loans at a time and I save a quarter or even a half.  Big winner.  Thanks for everything!"

T. Scott
President
A.Anderson Scott Mortgage Group

"What I like other than the obvious where the system alerts me when the market is going the wrong direction, it gives me confidence to capture higher profits.  I am able to float a little longer and able to realize larger profits.  This system is a 'no brainer'. The cost of three months can be paid for easily on one loan

P. Leuken
1st Advantage Mortgage
Lombard, IL

"Market Alert's cutting edge technology and years of market experience
are worth there weight in Gold!"

B. James Vice President
Vanguard Mortgage
Atlanta, GA

"Larry, I keep the prices on Market Alert continuously on my desk top. It is easy to read and let's me know what's happening in the market. When I'm out of the office the Market Alert emails my cell phone when the market opens up and give me updates throughout the day. Great info in a short quick format. "

M. Crouch
Mortgage Centre
Wichita, KS

"Larry, I have been a Market Alert customer for over 8 years and have loved your service.  Market Alert allows me to speak more intelligently to my clients so that they may make an informed decision on whether to float or lock their loans.  The information provided by Market Alert keeps me ahead of my competition.  Thank you for your service!!!!"

D.C. Aiken
Senior Vice President
HomeBanc Mortgage Corporation

"I have been a subscriber for 5 years. There are a number of benefits that I enjoy but most the economically beneficial has always been the intra-day market updates.  This has proved invaluable whether locking in profits when the market is deteriorating and before your lenders re-price or waiting to lock for improved pricing.

Other benefits include daily market commentary, schedule of upcoming
events that may influence the mortgage market, having Larry Baer
available for personal assistance."

Tim Estes
Professional Mortgage Corp.
Richmond, VA

"As a mortgage loan originator, I need accurate, up to date information on how the market is behaving.  With a few quick key strokes,  I can enter Market Alert and get the latest information on the market. This is a very powerful tool, allowing me to make an informed decision as to FLOAT or LOCK a loan."

K. DeLatte
Home Mortgage Associates
Lafayette, LA

"Market Alert has increased my business substantially.  Not only do I use it as my "crystal ball" to see the future of the mortgage rates but I use it as a marketing tool to solicit Real Estate Agents.  It is my edge against the competition.  I don't know how I ever survived without it"

L. Ashmore
Regency Mortgage
Tulsa, OK

"We have been associated with Larry Baer/Market Alert for approximately 10 years.  Larry and his staff make you feel your company is always a priority . The information we receive from Market Alert is always timely and is very helpful in our operations . We are a more efficient company, in part, because of our association with this fine group and certainly more profitable.  I recommend Larry and his Company to everyone Please call me if I can answer questions about Market Alert."

J. Williams
Southeastern Mortgage
Birmingham, AL

"Market Alert provides us with an advanced view of the market through Viewpoint which helps us to anticipate potential moves in the market. The Daily Comments keep us informed of the actual reports as they are released and we can see their effects on the market. All of this information allows us to educate our buyers which helps us to be informed mortgage professionals. I am sold on Market Alert."

G. Burkett
Houston, TX

"Let's face it, I have little knowledge of trends in the financial markets and I broke my crystal ball years ago.  A friend suggested that I try Larry's Baer's Market Alert.  Larry's predictions and commentary has allowed me to remove my foot from my mouth on many occasions.  It has not only enabled me to increase my confidence level with my clients and real estate brokers, but has allowed me to increase my revenues."

A. Mayhew
The Business Loan Center
Mooresville, N. C

"I have 14 loan officers in 9 locations to keep informed up to the minute of what is going on in the marketplace of mortgage loans. Putting the Market Alert screen on each loan officer's screen and updates on our cell phones has met that need and saved us many dollars, getting loans locked timely. Thanks Larry!"

A. Schmidt
President
Mortgage Centre

"No more rhetoric or "psycho babble" by a talking head playing both sides of the market and leaving you wondering what they just said.  Larry Baer has the fantastic ability to break down the current market conditions into terms you can understand.  He focuses on the section of the market place that effects your income and helps you determine not only when to "lock" but when to "float". There will never be a working version of a crystal ball but Larry is close.  Market Alert has been a tremendous addition to my business and I would highly recommend it to any Mortgage Professional."

J. Tisdale
Sky Mortgage, Inc.
Bellevue, WA

"I have "Market Alert" up on my internet at the office every second of every day.  I use the information to manage my pipeline effectively and increase my bottom line.....Did you get that?  I use this info to make my company and myself more MONEY!  Here at Countrywide, we receive emails one hour prior to any rate changes.  But with Market Alert, I know about the rate changes long before I receive these notices.  With this site as my guide, I have been able to "hedge" my pipeline and outperform my competitors. I have recommended Market Alert to my Boss, my fellow Branch Managers, and, personally, I highly recommend their services to you.  It has had a very positive impact on my paycheck, and it will for yours as well!"

M. Burge
Branch Manager
Countrywide Home Loans, Inc

"I find you service very favorable and it saves me considerable time not
having to check the market all the time, keep up the good work."

A. Wyngarden
Megastar Financial
Denver, CO

"The very first day that I had Market Alert, the market was very volatile.  I had a couple of loans that I had not locked yet.  The Market Alert screen popped up and I immediately locked both of those loans.  Ten minutes after I had locked, our rates changed for the worse. I saved about $1700 by having Market Alert.  It definitely paid for itself that very day!"

M. LaBarreare
1st  Trust Bank for Savings
Memphis,  TN

"Market Alert allows me to beat the wholesale rate change.  This has lead to thousands of increased commission earnings.  Thanks to Larry and his commentary it makes floating or locking a easy choice.  Thanks for all the help."

B. Wilson
Branch Manager
Senior Loan Officer
Advantage Mortgage Network Inc

"I use Market Alert everyday!  I love having the screen right in front of me as the day moves along.  I can budget my time and make decisions much more effectively.  Market Alert pays for itself on a daily basis.  I like Larry's commentary and use it to pass on market conditions to my client's from a broader prospective.  It is not a crystal ball into the future, but at least I feel I have some tool to work with market."

C. Midkiff
First Savings
Vienna, VA

"I have been a subscriber to Market Alert for 10 years.  Larry's insight and market guidance has served me well through the many market swings.  By following Larry's words of wisdom that "it is better to be out of the market and wishing you were in than being in and wishing you were out", and "no one ever went broke making a profit", I have been on the sidelines during most market turmoil, protecting my clients interests and my income.  The weekly Viewpoint and daily updates provide me the data I need to risk manage my pipeline.   I consider Larry Baer's Market Alert the best tool available for loan officers who are serious about managing their pipeline risk and subsequently, their income."

R. Veitenheimer
Ass't. Vice President
TexasBank Mortgage

 
F. Wilkinson

"I have personally seen the net profit results from using Market Alert, and I now have all my top producers using Market Alert.  Not only have they become more profitable, they have, more importantly become more productive.  The value of Larry's service is second only to our investment in our originators."

L. Weber
Dallas Area Manager
Wells Fargo
Dallas, TX

"I use Market Alert throughout the day.  The Web feature that allows you to see current pricing and the ability to set alerts enables me to stay on top of the market and help my clients save money.  In this very volatile market that we are experiencing, Market Alert helps me stay abreast and ahead of the market."

M. Alea
Elite Mortgage Network
Brandon, FL

"Greatest tool available to keep me in touch with the market. No matter where I am during the day, I feel confident I have the latest, most up to date market information."

N. Snowden
First Preference Mortgage
Hurst, TX

"Market Alert and Larry Baer continue to provide invaluable insight into those events that influence our rate environment on a day to day basis. This terrific service helps us to win additional business and provide more meaningful assistance to our clients.  Thanks Larry for your consistent contribution to our cause."

D. Wildt
Wells Fargo Home Mortgage
Dallas, TX

"We have been using Market Alert for the past 2 or 3 years and have found it to be an INVALUABLE tool.  The up to the minute information helps us maximize our profits (and minimize our losses).  Finally, I find that Larry's weekly thoughts as to what we can expect for the upcoming week to very insightful.  Thanks for  everything."

J. Frank
Paramount Mortgage Co
St. Louis, MO

"Market Alert continues to be a valuable tool in helping us assess the market for our business and our clients."

D. Quisenberry
Bankers Financial Mortgage Group, Ltd.
Dallas, Texas

"Larry - Market Alert is one of the best tools I've found to ensure I am providing the very best and most up to date information to my clients.  Your commentary allows me to educate my team and my  clients about the happenings in the capital markets and what impact it will have on our business. Frankly, I'd be lost without it.  Cheers to you!"

L. Richardson-Kerbs
Cherry Creek Mortgage Company
Denver, CO

"A low-cost, effective solution for expert advice on pipeline management
in an ever-changing marketplace."

N. Hall
Community Mortgage Group
Highlands Ranch, CO

"This service is invaluable - The up to the minute market information has kept me out of trouble countless times - All you need do is follow Larry's commentary and pipeline strategies - If you do, profits will rise a dn stress levels will fall"

G. Court
Southlake, TX

"Larry, I really enjoy market alert and consider this a valuable tool in conducting mortgage business in an extremely fast pace environment.  It's like having a special golf club in you bag that others wish they had before the game started!

D. Peterman
Vice President
Nationwide Mortgage Inc.
Austin, TX

"As manager of a large wholesale operation it is critical to the success of  this operation to know what interest rates are doing. I am very pleased with the accuracy and speed with we are aware of market changes. I would recommend Market Alert to any person in the mortgage business who wants to stay on top of where the interest rates are at any time. It has improved our profitability significantly!"

J. Jordan
Texas Wholesale Manager
Commonwealth United Mortgage
Houston, TX

"I have benefited from Larry's insightful advice for more than five years and find his services invaluable."

K. Crookham
Branch Manager
Wells Fargo Home Mortgage
West Palm Beach, FL

"Of all the many services available today, nothing has been as quick and efficient as Market Alert. No extras...just the facts...and that means money! Thank You!"

D. Breitzman
Ameristar Financial
Brookfield, WI

"Larry Baer and Market Alert are at the top of their game. Larry's
daily commentaries give me that competitive edge to talk intelligently
with my clients as to market trends and when to lock and when to
float. His pipeline strategies on hedging market risk have increased
my profit margins significantly."

M. Fontenote
American Homefront Mortgage
Westlake, TX

"Larry, Just a quick note to let you know that your Market Alert service is first rate, highly accurate, and eagerly anticipated each day. We simply could not function to our level of performance without it. I can't possibly recount how many dollars you have saved us with your minute by minute updates. Thanks for doing an outstanding job!"

S. Johnson
Austin Mortgage Group
Austin, TX

"Market Alert is a phenomenal tool that has been extremely useful to me and my associates.  As a member of a wholesale lending firm, Market Alert has allowed me to anticipate market movements and advise my clients accordingly. I highly recommend this tool to anyone in the mortgage industry."

A. Dorbandt
First Magnus Financial Corporation
Austin, TX

"I am a faithful user of Market Alert.  I use it hourly to stay abreast of changing market conditions.  I also find the "Viewpoint" and "Daily Commentary" valuable for keeping both myself and my customers informed on the reasons behind rate fluctuations."

M. Lucas
Capital City Bank
Gainesville , FL