I'm not sure I understand this concept.  HCS Funding "is a full service independent mortgage banking and brokerage firm owned by United Pacific Mortgage."  HCS Funding was "formed specifically to fund residential mortgages that will benefit non-profit organizations.   As our way of giving back, we will credit the following amount of every borrower's closing fees to be donated by the borrower to the charity of their choice."

Who exactly is going to obtain their mortgage loan from a lender because of this feature?  What does HCS Funding offer in the way of rates and programs that United Pacific doesn't?  The available programs page for each is identical, appearing to have been copied one to the other.  As is an "improving your credit page."  I just don't get what the president of both, Daryl Wizelman, is trying to accomplish.  HCS's program makes its contribution through "Cause You Care" which is a "for-profit corporation, with the primary objective of raising money for non-profit organizations.  We donate between 50-80% of our gross income to charity."  I don't know, something just seems a bit odd here.