The Spectra Funding management team has the expertise and experience to capitalize on inefficiencies in the residential mortgage business.  Key differentiation points of Spectra Funding are:

• Expertise in sales and marketing
• Broad range of products
• Competitive bundling of services
• Highest level of customer service
• First-rate operational efficiency (see below)

Another key factor contributing to Spectra Funding’s success is its superior operational efficiency:  The Company knows how to fully and effectively utilize the most up-to-date industry technology and  select  the proper business partners.  Spectra Funding’s staff are very experienced users of Calyx Point Software, considered the de facto industry standard. Calyx offers offsite server capacity, allowing mortgage officers, processors, underwriters and management access to their files and information via the Internet.  Spectra Funding can  electronically interface with a wide variety of vendors, correspondent investors software companies, title insurance companies and warehouse lenders because it has implemented a well thought out process flow.