Mortgage bankers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs.

A Mortgage Broker's primary expertise is locating funding for mortgage financing. They have access to a wide array of banks and programs to meet each customer's unique lending needs. What's more, they have the knowledge and experience required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

So why deal with a Mortgage Broker?

Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, brokers are not limited in the product they can offer you. brokers seek out the best lender package to suit your specific situation.

There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today's very competitive marketplace intimidates many homebuyers. It pays to work with a mortgage professional who will represent "you" and ensure the mortgage you get is the one best suited to your needs.

Reasons to use a Mortgage banker

• Access to a wide array of lenders and loan options
• Fast credit and loan pre-approvals with no cost or obligation. (Some conditions may apply)
• They are experts at matching you with the best-suited mortgage. 
• They work for YOU, not the bank. 
• Up-to-date on all the mortgage rates, terms and re-payment options available on the market. 
• They only specialize in mortgages and are knowledgeable on current trends. 
• They save you time and money! 
• Broker's have a vested interest in satisfying your needs since they rely on referrals and repeat business. 

Other than rates, why should I use a Mortgage banker?

In addition to rates, because mortgage-based financing is the banker's primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project but often whether a project is funded at all.

How do Mortgage Broker's Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, bankers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage bankers.

These rates, and preferences for types of mortgages can change daily, depending on economic circumstances or based on the size of an institution's portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by brokers are among the best available at the time of placement.

Why should I go to a Mortgage Broker first?

A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.

Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.

How do Broker's get better deals than many Banks?

Premier relationships with lenders result in better rates and loan options for the customer. Denise's brokerage firm has several premier relationships with many different lenders giving her customers' access to even better loan options and rates (exclusions may apply).

In addition, many of these lenders can provide many various mortgage products not available from conventional sources.