Mortgage Banker vs.
          Mortgage Broker
What you need to know

What is a Mortgage Banker?

A mortgage banker is a direct lender.  It originates and funds its own loans, which are then sold on the secondary market.  Because it lends its own money, a mortgage banker offers several advantages:
     -Greater control over the loan process
     -Increased flexibility
     -Quicker response times
     -Faster and more efficient closings

What is a Mortgage Broker?

A mortgage broker represents many lenders and acts as an intermediary between borrower and lender.  Because a mortgage broker has access to a wide variety of loan programs through its network of investors, a mortgage broker can provide its clients with multiple loan options designed to suit their specific needs.  The advantages of using a mortgage broker include:
     -Access to a wider variety of loan programs
     -Increased loan options
     -Greater qualifying ability
     -Ability to tailor a loan to meet your needs

The Benefits of Both

Being in a partnership with Home Services Lending, we are both a Mortgage Banker and a Mortgage Broker.  This flexibility allows us to provide you with access to nearly 99% of the programs available in the marketplace today, increased flexibility and quicker closings.  Working with us, you get the benefits of both!