 They are a branch of Sierra Pacific Mortgage, which is a bank. They lend you money. They get your loan application. They study it. They call you up. They talk through the details with you. They pre-qualify you to buy a house. If you're a veteran, they inform you about the VA programs. If you're a first-time homebuyer, they'll talk to you about the FHA program. If you're a senior citizen, you don't want to move, but you just want to get the equity out of your house so that you can live a little bit