This is more a "gift" to you than a tool, per se, but we figure if it saves you time and/or money we can consider it a bona fide tool. If you use our branch office of Carteret Mortgage (Branch ID# RBLP) to fund any of your residential real estate transactions while concomitantly using either of the above tools, we will discount the cost of those tools of those services for you by providing a broker credit at closing.