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Since mortgage brokers are middlemen, then that means that they can represent a number of lending sources, whereas direct lenders represent only a single lending source. There is a misconception that mortgage brokers are able to find lower rates than direct lenders since they shop around to many different lenders, however this is simply not true as every lender gets their rates from the same place!

The same mortgage lender will offer different rates to different borrowers – there’s just no way to guarantee a certain lender will offer universally low rates. The best mortgage lenders have three things in common: 1. They’re widely available. A mortgage company doesn’t have to be nationwide to be good.

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