Banker vs. Broker – 5 Reasons to Choose a Broker Every Time

Our goal at Fair Mortgage Solutions is to make you happy, save you money and provide you with winning guidance to follow through with the right options.  When looking for a mortgage, people are often confused whether to speak with the bank themselves or to a broker.  Here are 5 reasons to choose a Broker every time.

  1. Get Independent Advice On Your Financial Options

The nice thing about working with independent mortgage brokers and mortgage agents is that we are free to speak to as many lenders as needed to find the right product for you. With this freedom, we can sift through many lenders’ product offerings to find what best suits your individual situation. There is no pressure to be locked onto the choices your financial institution offers. We put our clients’ needs to the forefront because our goal is to help you successfully finance your home or property. We start by getting to know each client’s homeownership goals and personal situations. From this knowledge gained, we’ll create a customized roadmap for you based on available mortgage products that are right for you; helping you to attain financial stability.

  1. Save Time with One-Stop Shopping

We know you would like to get the best rates possible, so do we! Organizing appointments with a number of competing mortgage lenders could take weeks. This is why we can do it for you. Most likely you would like to spend your valuable time hunting for the perfect house, so why not leave it up to us to do the mortgage shopping for you; not to mention that we have already built great relationships with our lenders too. Since we work directly with dozens of lenders, we can quickly narrow down a list of products that best suit your needs, making the process of comparison-shopping fast, easy and very convenient.

  1. We Negotiate On Your Behalf

When it comes to negotiating directly with your bank, we know that can be an overwhelming process with financial jargon you may not completely understand. This is where uncertainty can set in and you can even back out of the negotiation process because of how uncomfortable it can make you. Let us negotiate on your behalf. All of our brokers and agents have years of experience when negotiating with lenders to get you exactly what you need.

  1. More Choices, More Competitive Rates

Since we have access to a large network of major lenders, this means that we can provide you with an extensive amount of options. Not only are we up-to-date with what major lenders offer, we also know what is being offered by credit unions, trust companies, and many other sources. Having access to more choices also allows us to help with other requirements you need to take care of before your closing date. For example, if your downpayment is less than 20% of the purchase price of your dream home, we can help with sourcing mortgage default insurance.

  1. Ensure You Are Getting the Best Rates and Terms

Getting the best rates and terms are some of the most important things to consider- we want to help you save as much money as possible. You could already be pre-approved for a mortgage by your bank or any other financial institution but that does not mean you have to stop looking for the best rates and terms. You are by no means obligated to stop looking for better even if you are pre-approved. A part of our job that we love is investigating for you. We will look at all options that suit your individual needs, such as products offered by our network of lenders to see if an alternative can be found to better suits your goals.

Talk to us about starting the application process. All of our brokers and agents are qualified with years of experience to lead you through your roadmap to a renewed way of financial living.

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