What is a Mortgage Broker/Banker?

A mortgage broker/banker is a licensed independent real-estate financing professional who specializes in the origination of residential mortgage loans. A mortgage broker/banker works with (on average) as many as 40 lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, your broker provides the most efficient way to obtain financing tailored to your specific needs.

 What Do Mortgage Broker/Bankers Do?

In the volatile home-lending market, mortgage broker/bankers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process - from the initial intake to the close of escrow, constantly checking to  make sure everything goes smoothly.

A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options. Having access to both our own banking products and several wholesale investors we insure that you are acquiring the loan product for your personal financial goals.

We Handle the Details!

There are literally hundreds of variables that can affect the outcome of your mortgage transaction. The advantage of working with a mortgage broker/banker is that they will act as a liaison between the title company, real estate agent, lender, appraisal co., credit agency, underwriters, processors, attorneys, and any other resources which may affect your transaction.

A Mortgage Broker/Banker also:  

-  Discuss and explain all available financing program options

-  Inform you, in writing, of rate lock-in options

-  Explain all documents of the loan application

-  Explain all associated costs of the loan application

-  Explain the loan process, from application to closing

-  Provide you with a good faith estimate of cost and fees

-  Communicate with you throughout the loan process in a timely manner