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    When it comes to getting a mortgage, you've got more options than you think. Everyone's situation is different. Tell me your scenario below, and I'll present you with all your options.

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Why Use a Local Mortgage Broker Over Retail Lenders Like Quicken Loans or Banks?

For instance, there is no doubt that quicken loans is one of the biggest mortgage lenders in America.  True, they are probably the #1 online mortgage lender based on their recent pay per click ads on Google.  Commonly, this increases their cost of acquisition on loans originated and limits their ability to offer rates and closing costs that are comparable to a low priced local mortgage broker.

The truth is, no one is saving the manatees when it comes to originating mortgage loans.  Everybody is in it to make MONEY.  As a consumer, it is your responsibility to call around and shop for the best mortgage rates.  Typically, smaller local mortgage brokers will have better mortgage rates and lower closing cost options compared to big national lenders/banks.

Choosing a Local Mortgage Broker over a large lender is better for two simple reasons:

  1. Small mortgage brokers have lower overhead with access to wholesale mortgage rates often through the same lenders/banks that would quote you a higher rate.  You can think of it as Costco v Publix.  Neither one are bad.  It just depends on how much money you want to save.
  2. Mortgage brokers have access to more loan products compared to banks.  For instance, if you are looking for a HARP loan and call a bank, that bank may have a cap on loan-to-value.  However, a mortgage broker has access to not just one bank program but hundreds of different bank avenues with a variety of mortgage options that may not have restrictions on loan-to-values.

When it comes to getting a mortgage

you have more options than you think

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    Sondi And Associates, Inc. dba Florida Home Funding. NMLS ID: 870878 Location: 390 N Orange Ave #2125, Orlando, FL 32801 | Phone: (407) 704-8729

    Content provided by The information provided on this site is for basic informational purposes only and IS NOT intended as a substitute for professional or legal advice. Notice: My Town Realty (License #: CQ1049127) and Florida Home Funding (NMLS ID: 870878) are both wholly-owned entities of Shahram Sondi (NMLS ID: 186790, License #: BK3225742). Due to this relationship, any referral between these two entities has the potential to financially benefit Shahram Sondi. Under no circumstance are you required to engage the services of one or both of these entities.
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