How a broker works
As an independent broker, I gather your information once, compare programs across lenders, and explain the options side by side in plain language. You choose what fits.
When a broker makes the biggest difference
- You're self-employed or have income that's hard to document
- You're buying an investment property or commercial building
- Your credit or down payment isn't textbook
- A bank has told you no
- You simply want to compare before deciding
What stays the same
You still work with a licensed loan originator, complete a full application, and receive the same required disclosures. The difference is how many doors are open to you.
The bottom line
A bank gives you one menu. A broker gives you several, and helps you read them.
This is general information, not financial advice or a commitment to lend. All loans are subject to credit approval, and programs vary by lender and eligibility.