Why Broker?

The best way to get into your dream home or to refinance the home you love is to find an independent mortgage broker in your neighborhood. Why? Unlike the giant banks and huge direct lending institutions, Independent Mortgage Brokers work for you.
Independent Mortgage Brokers have access to more options to find the loan that best fits your financial needs, and they don't hide costs the way a giant bank or huge lending institution can.You get a loan and a payment that turns your dream into a reality you can live with.

You decide what's best for you:

Local Mortgage Broker vs. Mega Bank
Handles mortgages only vs Also sells car loans, checking accounts, etc.
Saves you money with wholesale rates vs Offers higher retail rates
State licensed vs Not required to be licensed
More flexibility of terms vs Fewer options
Consumer advocate and coach vs Salesperson
Shops hundreds of competing loans vs Loan offers limited to their own products
Available, even on weekends vs Strict banking hours


Broker vs Mega Banks & Lenders
Disclosed Compensation Hidden
3.375% Loan Rate 3.75%
3.498% APR 4.004%
$1,768.38 P&I Payment $1,852.46
$636,618.54 Total Payments $666,886.45
$84.08 Monthly Savings ---
$30,267.91 Life of Loan Savings ---

* Numbers based on 30-year fixed term mortgage for a house with a $400,000 purchase price, and includes a borrower FICO score of 760 with an 80% LTV. The principal and interest payment does not include taxes and insurance premiums, which will result in higher actual monthly payment. Rates change daily. (Based on an 8/11/2016 comparison)

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