One of the most compelling reasons to work with a mortgage broker is that you have access to a wide range of lending sources, including major banks – plus credit unions, national, regional and private lenders with great track records, great rates…..and fewer rules. This range of choice makes it significantly easier for you to get the mortgage that best suits your needs. When you’re dealing directly with one financial institution, you don’t know if you’re getting the best deal because they only have their own menu of products to offer you. As one of the largest mortgage brokers in the country, we also enjoy considerable bargaining power, which allows us to negotiate volume discounts that lead to lower rates and greater product choice. We’re shopping the market for the best mortgage features and rates, and there’s no cost to you (oac)!