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We offer these recommendations only because we have found these sources to be competitive in pricing, very responsive, and they offer local processing. Please know we receive no compensation for these referrals. M&T Mortgage Jayne Rand: 743-3638 Shelly Frier: 743-3639 HSBC Mortgage David Welnhofer: 651-6100 Rocco Diina: 651-6100 First Niagara Mortgage Peter Zabel: 625-7537 Charter One Bank Bill Green: 630-2107