We also recognize the value of free advertising through the 'word of mouth' of satisfied customers. It is the nature of people to brag to others about the good deal that they received. It is after all, a reflection of a persons own savvy shopping to unearth something particularly valueable.

If you buy a car at half of what it's clearly worth, that's worth bragging about. Well, if you get a website at a fraction of it's value, it's been our experience that you will share that with others. We're buying that advertising upfront by offering a better than fair value. We know it's more effective advertising than all others because it is backed up by a person using the product as opposed to our own biased opinion.

In addition, we run a tight ship. We choose our promotions carefully and ensure every advertising dollar pays for itself; we streamline our systems and billing processes; we don't have any frills (like the $5000 office chairs of some of the now bankrupt dot-coms). We also don't waste money on unnecessary things like toll-free support numbers that are often abused anyway.

Second, we rely on good, old-fashioned, reliable business principles. We do not bait our customers low rates and then charge high renewal prices. Your renewal prices may at some point be adjusted for normal inflation but nothing more. We believe in the old saying, "You can shear a sheep many times but you can only skin it once." So, your renewal rates will be increased artificially. Our prices are a philosophy, not a gimmick.

Utopia Mortgage Software, our parent company, has been in business since 1993. We're a profitable company that expects to be in business for many years to come. All this, of course, is due to value-conscious customers like you.