THE STANDARDS WE LIVE BY: OUR CORE VALUES

“To glorify God by being a faithful steward of all that is entrusted to us and to have a positive influence on all who come into contact with Forever Rate Home Mortgage”

Core Value 1: LOYALTY

We are, above all else, loyal. We believe in loyalty to our customers because without them we serve no purpose. We are loyal teammates because they are the ones in the trenches with us fighting for our mission to help others. We are loyal to ourselves and to these core values; because they shape us and define what we believe will make us successful.

Core Value 2: LEAD BY EXAMPLE

We understand that there is literally no other way to lead than from the front. We cannot lead if we are not willing to do the work. We cannot teach or expect anyone to follow our lead if we haven’t done the work ourselves and set the standard on what to do and how to do it.

Core Value 3: GO THE EXTRA MILE

We always go the extra mile for customers, co-workers, and the company. We strive to always over-deliver and exceed people’s expectations at everything we do and we do so with enthusiasm. We understand that going the extra mile for people is what results in word of mouth, which is the driving force behind real growth. We strive to WOW people with our outstanding customer service… It’s not just something we say, it’s something we do and our daily actions reflect this.

Core Value 4: STAY HUMBLE

We stay humble and practice humility when it comes to our own progress and accomplishments. We don’t take the credit for our individual successes but instead give credit to the people who make our individual successes possible. We always give credit to others for a job well done, and we accept full responsibility when things go poorly.

Core Value 5: BE DISCIPLINED

We are self-motivated to stay on-task and get the job done. We are driven and focused on the company and its progress, from the big picture all the way down to the finite details of every task we take on. We are strong enough to hold ourselves accountable and we can be relied on to consistently get the job done above the start of expectation set for us.

Core Value 6: ACCEPT RESPONSIBILITY

We always accept full responsibility for our actions and performance. When we identify an issue or are given a task, we own that issue or task and see it through to its completion. We don’t shift blame. Nothing we are aware of is ever someone else’s fault; we always take it fully upon ourselves to make it right.

Core Value 7: TAKE INITIATIVE

We do not wait to be told to do something. When we see something that needs to be done … we do it. We always take initiative to get tasks done without being asked. We are self-driven and look to constantly push ourselves forward and do what needs to be done to succeed. We don’t sit and wait for someone to tell us the next step to take; we anticipate the path and contribute accordingly without needing to be carried. We don’t need someone else to hold a carrot in front of us… we find our own carrots and hold them for ourselves knowing that improving the company any way we can benefits all.

Core Value 8: BUILD POSITIVE & FUN RELATIONSHIPS

We work to build positive and fun relationships both internally and externally and we know that the success of the business is built upon this. Quality, positive relationships are what successful businesses and successful people thrive on. Consistently making efforts to build strong relationships with everyone we encounter creates strong bonds and friendships and ultimately creates lifetime customers and loyalty to the brand. We can lose a customer, but we can never lose a friend.

Core Value 9: TAKE INITIATIVE

We are always learning and striving to better the company and ourselves. We believe in taking the time to learn things on our own to better ourselves personally and improve our performance. We know that learning is essential to growing and that our personal growth and performance have a direct impact on the company’s growth and performance. We work to get better everyday and constantly push ourselves for personal progress and make it a point to never be the weak link on the team.

Core Value 10: BE SELFLESS

We always give more than we take. We always put others and the company before individual accolades. We always do the right thing and make our decisions based on what is the morally right thing to do. We don’t seek out personal gain from what we do and the decisions we make, instead we make decisions based on what’s best for others and what’s best for the company. We believe that ultimately what is best for the company is best for us anyway.

Core Value 11: BE ENTHUSIASTIC

We are enthusiastic about being a part of the Forever Family. Our enthusiasm and passion for what we do here carry through to all levels of our performance in everything that we do. We understand that being enthusiastic is contagious and if we are enthusiastic and excited to help our customers, co-workers and the company they will reciprocate that excitement about us. Working at Forever Rate isn’t a job, it’s a lifestyle and we are loyal and dedicated to our cause and live our lives enthusiastically by the values that Forever Rate stands for.

Core Value 12: BELIEVE

We believe in the big picture, the direction we are all collectively going and exactly what needs to be done to get there. We believe in everything that Forever Rate stands for, including these core values, and live by them both inside and outside of the office… it’s who we are fundamentally at our core … and we believe in that.