Financial mortgage services, namely, a "fee-only mortgage" program for the financial professional; This service allows financial advisors to act as a true "professional", compensated for work and time performed not for sales skills and clever pricing in the mortgage area; A financial professional offering "fee-only mortgage" services has a published rate schedule for services performed and loans originated and does not accept ANY compensation for a loan in excess of the agreed upon amounts disclosed to the client prior to beginning work; The financial professional provides the client with FULL loan pricing disclosures empowering the client in a fully transparent financial transaction to make decisions with clarity, confidence and work in partnership with their financial advisor