An Internet-based lender believes it has hit upon the magic elixir for a subprime market dogged by allegations of predatory lending. The solution LoanGiant.com is peddling? Low-rate, zero-point mortgages combined with tools that can help borrowers better their financial condition. “The key is that this is not just a product. It’s also a complete program to build a relationship with our customers.” said Andy Jacob, president of