In today's world, it can be hard to know which way to turn to make the best decision for your future. Lucky for you, I can help. I have access to over 200 lending institutions — big banks, credit unions and trust companies — and as a licensed mortgage professional I carry a wide array of products to fit your current needs.
From first-time homebuyer programs to financing for the self-employed or those with credit blemishes, I can help you find the best mortgage — no matter where you're at in life.
A mortgage broker saves time
One of the biggest benefits of using a broker is that I'm a one-stop shop — saving you time, energy and often money at the same time. Brokers can approach every lender, from the big banks to credit unions and even alternative options if needed. That means you fill out just one application, and I do the heavy lifting to present the best options for your budget so you can make the final call.
A mortgage broker can often find a lower rate
No two lenders are the same, and each bank can only see its own rates. To compare accurately on your own, you'd need a separate meeting with every lender. A broker already has access to all of them, and those connections can often result in a lower rate and a better plan for you and your family.
A mortgage broker offers unbiased advice
Brokers typically work with dozens of lenders and rely on client satisfaction and referrals to keep their business running. Unlike a bank focused on signing you for its own profit, a broker is a third party who's compensated no matter which lender you choose — so you get the best rate and genuinely unbiased advice.
A mortgage broker's service is typically no cost
A broker's services usually come at no cost to the homeowner or buyer — we're compensated directly by the lender. The only time you might pay is with a private lender or one that refuses to pay brokerage fees, and I'd always tell you that upfront.
A mortgage broker protects your credit score
Applying at dozens of lenders yourself doesn't just take time — it can also lower your credit score, because each application triggers a "hard credit check," and too many in a short window drags your score down. A broker typically only needs to pull your credit once to apply to multiple lenders, protecting your hard work.