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Hi,I think that going through the process and having a complete approval is the way to go. That is the least of your worries when purchasing a home is having to wait for a commitment from the bank. At this point all anyone can do is give you a pre-approval. However, FB is different and will provide you a commitment.I have worked in both worlds, first as a broker and at the time we would work with over 30 to 40 lenders but now who knows how many lenders brokers can go to. Now I work for a bank that Lends in all 50 states and we are one of the banks that has a wholesale channel for brokers to send in loans.I do not totally agree with brokers having access to the best rates. It is a combination of things from customer service to knowledge. Click on my profile to reach out to me if you need further assistance.Thank you,Geofrey M MerinoLending in all 50 states
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