Mortgage Brokers VS Bankers

In finding the right loan, many borrowers may find themselves left at a crossroads of undecided choices. One of these choices is whether the borrower should seek the aid of a mortgage broker or a banker.

The main difference between banks and mortgage brokers is that banks originate loans, while mortgage brokers act as intermediaries between the borrower and the lender. The advantage of mortgage brokers is service – they have the ability to shop for the best rates, fees and service levels of all of the lending networks they work with. Essentially your mortgage broker does all the shopping research for you.

Brokers work with an extensive network of lenders, meaning they are in the loop and they know the best deals that can be had when it comes to rates and terms. Mortgage brokers are also more adept at matching clients with less than perfect credit, those with little money for down payments or other special circumstances that most banks are not going to be interested in considering.

The Kupina Mortgage Team is devoted to help empower both first time and experienced homeowners with valuable resources and first-class knowledge when it comes to home loans. Our mission is to help consumers obtain a home loan that best suits their needs. 1-888-955-9011