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These days most sellers will only accept a pre-approval from a direct lender. So you will have to start working with one from the start. Brokers do charge extra usually a point or half-point (point equals 1% of the loan amount). Most of my clients prefer working directly with a lender, however some consult with a broker to shop around for rates and programs with different banks.I wish you the best of luck!
Pasa,Good choice! A much more appropriate Avatar! .... Happy funding, Rudi
I can't believe you guys are getting into the whole banker vs. broker argument publicly – it honestly just reflects poorly on everyone involved. Borrowers could care less; they just want a fair deal from an honest lender. In future, I recommend that you avoid this question just like Realtors should avoid answering "Is now a great time to buy?"
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