{"id":44075,"date":"2020-10-13T10:08:43","date_gmt":"2020-10-13T18:08:43","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=44075"},"modified":"2023-02-13T16:04:04","modified_gmt":"2023-02-14T00:04:04","slug":"what-you-need-to-know-about-working-with-a-mortgage-broker","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/working-with-mortgage-broker\/","title":{"rendered":"What You Need to Know About Working With a Mortgage Broker"},"content":{"rendered":"<p>Shopping around for a mortgage can be a daunting task. After all, you want the best rate and a loan that fits your situation. One way to find the best home loan for you is to work with a mortgage broker.<\/p>\n<p>Working with a broker for your mortgage can make a big difference in the programs you have access to. With a mortgage broker, you can get help every step of the way, and you aren\u2019t limited to the offerings of one lender.<\/p>\n<p><b>Here\u2019s what you need to know about using a mortgage broker:<\/b><\/p>\n<ul>\n<li><a href=\"#what-is-a-mortgage-broker\">What is a mortgage broker?<\/a><\/li>\n<li><a href=\"#why-would-you-choose-mortgage-broker-over-lender\">Why would you choose a mortgage broker over a lender?<\/a><\/li>\n<li><a href=\"#how-to-find-mortgage-broker\">How to find a mortgage broker<\/a><\/li>\n<\/ul>\n<p><a name=\"what-is-a-mortgage-broker\"><\/a><\/p>\n<h2>What is a mortgage broker?<\/h2>\n<p>Mortgage brokers are licensed to act as a go-between with you and your lender. When working with a mortgage broker, you\u2019ll have access to a variety of <a href=\"https:\/\/www.credible.com\/mortgage\">home loan<\/a> programs from different lenders. The broker doesn\u2019t actually make a loan. Instead, the broker has a variety of lenders they work with.<\/p>\n<p>In general, a mortgage broker will have a lot of knowledge of different home loan programs, and a good idea of what you might qualify for, including what <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-rate\/\">mortgage rates<\/a> you\u2019re eligible for.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Don\u2019t confuse a mortgage broker for a loan officer. <\/b>A loan officer works for a lender or bank and can only originate loans for a specific lender. Mortgage brokers, though, aren\u2019t limited to one lender.<\/div><\/div>\n<p>Once you have decided on a loan program, the mortgage broker manages the process, from <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval\/\">mortgage pre-approval<\/a> to closing, by coordinating the efforts of the lender, real estate professional, and title company. This can be a huge help since the homebuying process is often difficult to navigate.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;background: #F7F9F9;\"><div class=\"basic-box__inside\"><b>How are brokers paid? <\/b>Mortgage brokers are usually paid by lenders for their efforts, although it\u2019s possible for you to handle the payment for services. However, understand that your broker can only be paid by either you or the lender \u2014 not both. Additionally, the legislation known as Dodd-Frank limits the broker\u2019s cut to 3% of the loan amount in points and fees.<\/div><\/div>\n<p><b><i>Find Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-buy-a-house\/\"><b><i>How to Buy a House: Step-by-Step Guide<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<p><a name=\"why-would-you-choose-mortgage-broker-over-lender\"><\/a><\/p>\n<h2>Why would you choose a mortgage broker over a lender?<\/h2>\n<p>The benefits of working with a mortgage broker usually relate to the ability to access a variety of home loan programs in a short period of time. With a mortgage broker, you won\u2019t need to do a lot of the heavy lifting that comes with researching several different home loan options.<\/p>\n<h3>Pros<\/h3>\n<ul>\n<li><b>Potential for better access:<\/b> Many mortgage brokers have regular lenders they work with, and might be able to get you the <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-get-the-best-mortgage-rate\/\">best mortgage rate<\/a>. Additionally, some brokers have contacts with banks and lenders that you might not otherwise borrow from.<\/li>\n<\/ul>\n<ul>\n<li><b>Saves you time:<\/b> Because a mortgage broker knows about different programs, you can probably save time and effort by having your broker do most of the research and handle the paperwork and negotiations. This can also reduce the <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-it-takes-to-buy\/\">time it takes to buy a home<\/a>.<\/li>\n<\/ul>\n<ul>\n<li><b>Might save you money on fees:<\/b> Depending on the broker and the lenders, working with a broker can potentially save you money since they might be able to get the lender to waive some fees.<\/li>\n<\/ul>\n<h3>Cons<\/h3>\n<ul>\n<li><b>Interests don\u2019t always align:<\/b> Even though a mortgage broker might be able to steer you toward better programs, they might not always be incentivized to set you up with the best deal. Depending on the arrangement with the lender, your interests and the brokers may be at odds.<\/li>\n<\/ul>\n<ul>\n<li><b>Estimates might not be guaranteed: <\/b>When working with a broker for your mortgage, you might receive a \u201cgood faith estimate.\u201d This is just an estimate of what the final terms might be. Later, you might find that the lender has a higher rate or different fees.<\/li>\n<\/ul>\n<ul>\n<li><b>Lenders don\u2019t always work with brokers: <\/b>Not every lender works with every broker. While you have access to more options with a broker, you might not see all the possibilities.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Whether you\u2019re working with an individual lender or with a broker, it\u2019s important to pay attention to fees. These are normal <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/cost-to-buy-house\/\">homebuying costs<\/a>, but that doesn\u2019t mean you have to pay a lot. You can negotiate your fees with brokers and with lenders. If you aren\u2019t paying a broker fee, it usually means the broker is being compensated by the lender, so you need to make sure that you aren\u2019t being steered toward something that\u2019s of greater benefit to the broker.<\/div><\/div>\n<p>Some brokers are based online and make it easy for you to compare multiple loans at once and then select the loan that\u2019s right for you. Be aware that some brokers might charge hidden fees.<\/p>\n<p>Credible allows you to compare our partner lenders in the table below in just a few minutes.<\/p>\n<div id=\"purchase-rate-table\">\n  Loading widget - purchase-rate-table\n<\/div>\n\n<p><a name=\"how-to-find-mortgage-broker\"><\/a><\/p>\n<h2>How to find a mortgage broker<\/h2>\n<p>If you\u2019re looking for a mortgage broker to help you get the best deal on your home loan, here are a few steps to follow.<\/p>\n<p><b>Get referrals: <\/b><span style=\"font-size: 1.125em;\">Ask people in your network who they\u2019ve used for home loan transactions. Additionally, ask the broker for referrals.<\/span><\/p>\n<p><b>Find out how they get paid: <\/b>Ask if the broker is being compensated by lenders, or whether the borrower pays a fee. Find out how much different lenders compensate them, and how they handle <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-closing-costs\/\">mortgage closing costs<\/a>.<\/p>\n<p><b>Ask who they work with:<\/b> Get an idea of the <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-find-best-mortgage-lenders\/\">top lenders<\/a> they work with and what programs they have.<\/p>\n<p><b>Ask about the process:<\/b> Learn about the process used by the mortgage broker when working with clients, including how often they respond to messages and what you can expect when working with them.<\/p>\n<p><b>Check their license:<\/b> Mortgage brokers are licensed financial professionals, so you should be able to check with your state\u2019s financial licensing division to find out if they\u2019re up to date on everything.<\/p>\n<p>Don\u2019t forget to check with online mortgage brokers. Rather than being steered in a specific direction, an online broker can provide you with a list of options.<\/p>\n<p><div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><\/p>\n<h3><span style=\"font-size: x-large;\"><strong>Credible makes finding a mortgage easy<\/strong><\/span><\/h3>\n<h6 class=\"accent--isGrayLight\">Compare prequalified mortgage rates from top lenders in just 3 minutes.<\/h6>\n<ul class=\"list--iconArrow accent--isGreen list--iconCheckmarkSolidCircle\">\n<li>Personalized rates, not generic<\/li>\n<li>One simple, safe TLS-encrypted form<\/li>\n<li>No spam calls from lenders<\/li>\n<li>Checking rates is free, with no commitment<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage\/form\/property-stage?utm_source=wp-credible&amp;utm_medium=mp-box-cta&amp;utm_campaign=seo\" target=\"_blank\" rel=\"noopener\">Find My Rate<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<p><\/div><\/div><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Shopping around for a mortgage can be a daunting task. After all, you want the best rate and a loan that fits your situation. One way to find the best home loan for you is&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/working-with-mortgage-broker\/\">Continue reading<\/a><\/p>\n","protected":false},"author":104,"featured_media":44077,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1463],"tags":[1535,1524,1521],"class_list":["post-44075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages","tag-homebuying-guide","tag-mortgage-purchase","tag-mortgage-rates-sidebar","what-you-need-to-know-about-working-with-a-mortgage-broker","post_tag-homebuying-guide","post_tag-mortgage-purchase","post_tag-mortgage-rates-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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