Brokers vs Big Banks
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Mortgage Brokers specialize only in mortgages
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Wide range of rates to choose from as they work with many end-investors
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Mortgage Brokers access a marketplace to shop your loan to get you the best rate, you only fill out one application.
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Mortgage Brokers have more offerings and expertise for self-employed or challenging credit/debt pictures.
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Banks offer a wide range of financial products.
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Rates offered are limited, only what’s available at that bank
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To shop bank rates, you will need to fill out an application at each bank. Typically shopping four to five banks.
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Banks may deny an application with low credit or high debt
The Big Banks
Big banks have vast amounts of overhead that end up funded by your home loan. That overhead is paid by you via increased fees, interest rates, and closing costs.
Big banks have sales quotas to meet; loan officers also make a commission for pushing specific loan products.
Loan officers at big banks are not building their own business, so they may be less invested in their relationship with you.
Big banks are often headquartered in other cities or states; your money won’t stay in your community.
Right Loan
Our End Investors Compete For Your Loan
We look across our 40+ end investor partners, find the ideal loan for your unique circumstance and provide the best loan for you— not the one that pays the highest commission.
Because our loan offerings are not commission-driven, you get unbiased advice for your financial needs and future assets.
Your Go-To Resource
Our Mission is to Ensure You Become a Lifelong Client, Confident to Refer Your Family and Friends.
We have a history of becoming a go-to resource for our clients, their friends and family. With your best interest in mind and our expert knowledge of loans, we seek to be your broker of choice for every purchase. After all, your home and real estate purchases are among the most valuable assets you will build.
Pricing
Communication
Expertise
to Detail
Transparency