Here is a good quote I saw today.

“Everyone should talk to a mortgage broker, even if they are leaning towards getting a mortgage with their existing bank. You don’t know what you don’t know until you talk to an independent mortgage professional.”

One of the key words in that quote is the word “independent”.  Banks have their own mortgage reps out there that often call themselves “mortgage brokers” but in reality they only represent the one bank. They do not have access to other lending institutions products and programs. 

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