Some of the advantages of the BCTF Advantage Mortgage Discount Program include: Priority Mortgage Products: Save Money Volume discount rates Access to the "hot" deals Discounts on closing costs Save Time "Front of the line" service with lenders Quick decisions No shopping required Seasonal Promotions Choice of Lenders Each with their unique product lines Stress Reduction EMC handles all negotiations and disputes before, during, and after closing No negotiations Both BCTF Member and EMC® win with lower interest rates