The Mortgage Broker Difference

Independent mortgage brokers are in the house. And here to stay. We shop multiple lenders to find the lowest rates and costs.

1. More down payment options  

• Aren’t limited to a few in-house products like LOs at banks  

• Offer hundreds of product options  

• Offer low down-payment options  

2. Less expensive  

• Access to wholesale rates – the lowest in the industry  

• Low overhead  

• Lower closing costs and cheaper mortgage insurance  

3. Fully digital process  

• Access to the latest technology – from online applications to instant funding at the closing table  

• Fast closings – 20 days or less on average  

• Mortgage experts driving the process  

4. Valuable partnership  

• Personal mortgage shoppers who offer a tailored experience  

• Offer buyers one application, one credit pull and multiple product options  

• LOs could broker a loan out, but don’t because they’d make less money  

5. Better informed  

• Access to the top wholesale lenders who are direct lenders with Fannie Mae, Freddie Mac, FHA, VA, etc.  

• Constantly study the market and follow trends  

• Have a higher approval percentage for buyers than banks  

Bottom line: Independent mortgage brokers are a real estate agent’s best option for helping their buyer get the best home loan.  

Having a mortgage broker in your corner is good for everybody!