Why you should use a broker!

(MORTGAGE BROKER) Represents the borrowerby packaging the loan to highlight strengths and minimize weaknesses.

(DIRECT LENDER) Always Represents the lender.

(MORTGAGE BROKER) Offers a wide range ofprograms with the most competitive adjustable and fixed rate loans available.

(DIRECT LENDER) Their Programs are very limited.

(MORTGAGE BROKER) A "problemloan" can be quickly moved from one lender to another.

(DIRECT LENDER) If a loan program is denied, Thewhole process must start over.

(MORTGAGE BROKER) Many loan officers workevenings and weekends and make house calls,

(DIRECT LENDER) Most work banker hours, at abank.

(MORTGAGE BROKER) Familiar with manylenders and loan programs and are licensed by the Department of Real Estate.

(DIRECT LENDER) Familiar with a limited number ofprograms and are not required to be licensed.

(MORTGAGE BROKER) Paid only on commissionand therefore motivated to close loans.

(DIRECT LENDER) Generally paid a base salary pluslower commission. Therefore No Motivation.

(MORTGAGE BROKER) Can offer numerous ratesand fee combinations, as well as offering similar processing fees.

hotel rooms Blackpool(DIRECT LENDER) Offers limited rate and feecombinations, but may have lower appraisal fees. They use "in-house" appraiserswhich means that the appraised value of the home will be ultra conservative or"lower".