After 18 years in the Home Lending industry with Wells Fargo Home Mortgage as a Senior Vice President, Yatin Karnikrealized that home buyers and those looking to refinance existing mortgages needed a solution to democratize mortgages and simply get a better deal. As a staunch advocate for residential home borrowers, Yatin is on a mission to educate borrowers about how big banks and lending institutions are repeatedly taking advantage of consumers throughout the lending process. In furtherance of this aim, Yatin founded Confer, Inc. and developed a revolutionary and disruptive application that will allow consumers to compare loan estimates, negotiate, and expose the manner in which large lending institutions have been cheating borrowers for decades due to the lack of conformity between regulations, lending institutions, and other participants.