"HarmonyLoan Central is a client-branded web-interface for borrowers to access their HarmonyLoan. The product eliminates the need for the traditional refinance. 

With a single click of the button, a borrower can reset their mortgage rate with no fees, appraisal, credit check, underwriting, and no new amortization schedule. The financial institution eliminates back office processing costs and increases loan retention, all at a premium yield. The servicer reduces portfolio churn, and the loan originator creates a recurring revenue stream via our patented compensation method. In other words, everyone wins."