Why using a Licensed Mortgage Professional is better than using a bank.

I feel like I am singing to the choir on this, but there are many potential buyers that don't know the reasons going to a mortgage broker is better than going to a bank.

These buyers don't know that:

1. Going to a mortgage broker will prevent a buyer from hours and hours of online searching for products and rates. Also, the buyer will not be subjected to multiple credit checks for multiple banks which could result in lowering their credit score.

2. Experienced licensed Loan Officers and Brokers already have the relationships established with mortgage lenders and will help their clients avoid any income or credit pitfalls.

3. Mortgage professionals offer mortgage programs from lenders with lower wholesale rates compared to the limited higher priced products that the banks offer.

4. Loan rules and lending guidelines change frequently so borrowers need plenty of guidance. No need to fumble and stumble in the dark!

5. Mortgage brokers have a true incentive to provide their clients with the loan option best suited for their particular needs, not the bank's cookie cutter product. An overworked bank employee has little or no incentive to offer advice on specific programs and often leaves the customer guessing which way to proceed.

6. Loan officers are licensed professionals who are required to complete continuing education every year to maintain their license to originate loans, unlike a bank employee. Loan officers understand the importance of offering their borrowers the best loan to meet their needs, not what the banks want.

 At Kwest Mortgage, we are here to help buyers every step along the way. We understand that buyers differ from one another. We persistently focus to first understand the buyer's needs and then proceed to exceed your expectations through the highest level of professional conduct and "high touch" customer service.