NMLS #2376

4 Benefits of Working with a Mortgage Broker (Not a Bank!)

Faced with the dilemma of whether or not to use a mortgage broker or a lender from a bank? Well, we are here to tell you, don’t run to the bank!

It’s nothing personal. We love banks—for things like saving and investing money. When you are looking to buy a house, however, there are 4 key elements that mortgage brokers can offer you that the lenders at the bank just can’t. Let’s dive in.

1. Personal Touch

Personal touch seems to be increasingly less common in today’s society, but it shouldn’t be. None of us live the same life as another, so customization is important! Mortgage brokers can offer that expertise and personal touch you need when buying a house. Buying a home is kind of a big deal!

At Eagle Mortgage Company, personal touch is something we pride ourselves in. You get to work with one of our agents personally, who has years of experience and can answer any questions you might have. We make it easy to get ahold of our agents and we have a fast response time.

Banks, on the other hand, have a limited schedule. Their hours of operation are usually while you’re already at work. Who has the time for that? Not to mention, every holiday is a bank holiday.

Get the personal touch you deserve with a mortgage broker that cares!

2. Flexibility

The flexibility a mortgage broker can offer you is just another reason to avoid going to the bank. We can actually work with different lenders rather than just one. This helps you shop different rates, which we will get more into when we talk affordability.

Brokers also have more access to different loan options that large-scale banks don’t have, such as FHA loansVA loans, or USDA loans. Big banks might only offer conventional mortgages, such as ones backed by Fannie Mae and Freddie Mac.

Banks also often turn away those who have trouble qualifying for a mortgage or are trying to finance tricky deals. Mortgage brokers can help those who have trouble qualifying for a mortgage! Mortgage brokers are flexible and want to see you succeed in buying a home.

Not only that, mortgage brokers can help whether you are purchasing or looking to refinance. A refinance can be beneficial in many instances, like if you recently did some home improvements or want to lower your interest rate. Just another factor mortgage brokers can help you with.

3. Affordability

One thing almost every home buyer is on the lookout for is affordability. Buying a house is a big purchase. So we understand the want to save money where you can. Working with a broker means buying your home at wholesale and not retail, which can help you out on interest rates.

Also, like mentioned above, mortgage brokers can shop different prices. That means we are truly looking out for your best deal. Nothing is fixed. We can offer flexible rates and points. And again, it is all customizable. If you can’t afford a lot of money down, or if you would like a lower interest rate, mortgage brokers can work to find you those deals.

4. Get to the Closing Table Faster

At the end of the day, the end goal is to close. Eagle Mortgage Company wants to help get you there. Sometimes things get in the way, and we find that working with banks is one of those things. We want to make the process as easy as possible. We can give you the personal touch, customization, and knowledge from being in the industry that the banks can’t offer you. In the end, banks want money. We want you to find the home of your dreams.

For any questions, or if you’d like to get started with a mortgage broker today, contact Eagle Mortgage Company. We are located in Omaha, NE, but help throughout Nebraska and Iowa!

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