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Mortgage Banker versus Mortgage Broker Business Articles | February 4 Cheap Nike Air VaporMax 97 Metallic Gold , 2012
Real Estate Investing, Flipping Properties, Landlord, Flipping, Real Estate Mastermind, Real Estate Seminars, Annetta Powell, ?Rental Properties, Rental Income Cheap Men's Nike Air Vapormax 97 Trainers All White , Foreclosures, Flip that house, real estate investing training


http:annettapowellblog - Few years back, you had to go to your local bank to apply for a mortgage. These days,?you?could?apply?for a mortgage through a mortgage broker, a trade association, a credit union or even through a professional?association?which you belong to.?With all these available help,?you?might wonder which is truly the best for you and where and how to begin.?Approaching a mortgage banker or?broker?is a?good?head start but?unfortunately,?most people could not distinguish?the difference between these two.


A mortgage broker is simply a person who connects a lender and a borrower by acting as a home buyer and a lender?s matchmaker.?In?most cases Cheap Nike Air Max Axis , he brings together and completes the mortgage applications and negotiates the terms thereof with the lender on behalf of the borrower.?You?can think of a broker as a?scout?who finds and evaluates a home buyer and analyzes the?buyer?s?credit?worth?in order to determine the best lender to work with until the loan comes to an approval.?The broker?is paid?once the loan?is closed?and he has no further responsibilities over it anymore.


A mortgage banker,?on the other hand,?is the lender himself who releases the loan directly to the borrower.?Whether?you?go through a?broker?or not, the mortgage banker is still the one who makes the?ultimate?decision?to lend you the money.?Mortgage brokers?operate?with significantly fewer assets than bankers who have to?keep?a large capital?to?enable?them to meet the needs of their borrowers.


Most homeowners?choose?bankers when it comes to getting a mortgage while those who fear to not qualify for a mortgage seek the assistance of a broker.?


Working with a mortgage banker helps?you?build a?direct?relationship which could be beneficial in terms of getting discounts or good payment conditions. The advantages of working with brokers are that they are easy to contact and they could disclose?all the information regarding the?loan, premiums, rates, etc. while doing almost all the processes for you.?


For more information on Mortgage, go to http:annettapowellblog. See you there!


?

Yours Sincerely,

Annetta Powell
Your Professional Success Coach

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