Whether a broker or a banker, we all get the money from the same places. Wall Street eventually backs the larger loan amounts whereas the Federal Government and their appointed agencies Fannie Mae and Freddie Mac secure the smaller loan amounts. As in any purchase, a person has choices so don't be fooled into thinking getting the best rate is the most important aspect of your transaction. A reputable lender whether broker or banker will have you as their primary concern above all else. The customer is always right! Make sure you choose someone who explains very clearly the important aspects of the loan YOU choose after being educated on your options. Also, with the landscape of lending changing so rapidly, you will want to work with someone who is involved in this field full-time and has their attention firmly fixed on these changes.
Please feel free to contact me @ email@example.com or my direct line 646-519-7521. More about my firm can be found @ http://www.guardhill.com.
Also please know that mortgage interest rates are based on treasury bond yields, thus the difference in interest rates among the different banks at most is .but usually only .25% which equates to $0.16 for every thousand dollars borrowed (which can ad up, I agree). The real difference between banks, bankers and brokers is in the costs to do the loan. Usually brokers charge you more to do the loan because they are charged more to have the loan done. Brokers also have been known to inflate the cost of the loan till the day of closing, unbeknownst to you (not all brokers do this). A bank or a mortgage banker is required to disclose all fees at time of application so their are usually no surprises.
Ask your friends who own a home if they liked their mortgage person they dealt with and did they feel he or she was honorable. I too can do the loan and if you wish to contact me my e-mail follows firstname.lastname@example.org. Good luck.
If you contact me offline, I will be happy to make several recommendations. It is important that you speak to many to get a clear understanding of fees and charges (it's not just about interest rates). Gail@GailGladstone.com