Your bank gives you one rate. Their rate.
A mortgage broker shops your loan across dozens of wholesale lenders and finds who's offering the best deal for your specific situation.
Same loan. Same underwriting. Better pricing.
Why? Because wholesale lenders compete for your business. Banks mark up the rate because they don't have to compete. you walked in the door.
I'm a wholesale broker with access to 50+ lenders. When you come to me, I'm not selling you a product. I'm finding you the best one.
The difference can be 0.25-0.50% on the rate, or thousands less in closing costs. On a $700K loan, that adds up fast.
I'll always encourage you to shop my quote. That's how confident I am.
(805) 801-1380 | ryanptm.com/quote