Bank employees work on a salary basis and can only offer services provided by their institution.

A mortgage broker has the ability to examine loan programs from dozens of banks and lending institutions, many of which are not available to the general public. This way, a broker is able to find the best rates and programs possible for the client.

Advantages of using a mortgage broker:

• No junk fees or extra costs
• Free pre-qualification
• We have access to wholesale lending institutions and banks which often have better rates
• Great selection of mortgage options from a large selection of lenders so that you can save money by selecting from the best products available
• You will be pre-qualified with a choice of loan options
• Pre-qualifying means you get your rate locked in case rates go up
• We work together with your Realtor or Financial Planner for your purchase or refinance
• We work for you not the bank, to ensure your loan closes as smoothly as possible, including filling out the application for you!

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