As has been pointed out below. Realtors and lenders are two completely separate entities.
The Realtor is getting paid for helping you purchase a property which includes: helping you find the right property to fit your needs, writing up the contract and negotiating on your behalf, and helping you through various aspects of the transaction (inspections, review of HOA documents, walk through and closing paperwork.)
The lender is getting paid for helping you obtain financing for your purchase, which includes: getting your financial documents together, helping you iron out any credit issues and figuring out the best loan program according to your goals and specific needs.
A buyer's agent is usually paid by the seller, BUT could be paid by the buyer as well. This is very common on low priced properties where the commission paid by the seller may not be enough to cover the agent's costs and allow him a decent rate for his/her time. (Remember, the agent splits the commission paid with his/her broker and our of his/her portion has to pay for gas, licenses, errors and omissions insurance, etc.) It may also occur on a higher priced property where the commission has been reduced by the seller and the commission being paid is again not enough to pay for the agent's costs and time. This should be discussed thoroughly before the buyer signs a purchase contract.
The lender makes his/her money by the points paid up front or in the rate of the loan. The lender basically locks in chunks of money from investment groups and makes a profit on the difference between what they "buy" the money for and what they charge the borrower.
This is where it really pays to shop around! Some lenders charge points and their rate is just as high as a lender charging no points. But it may be that a specific lender has an in house program that no other lender has for a client that is not finance-able through the standard types of loan available..
Personally, our team uses All Western Mortgage. They not only charge zero points, they also do not charge "processing fees" or "underwriting fees" which can really add up! Their rates also are competitive with other lenders that charge points. You could call Eric at All Western at 702-353-6011 to get a quote to see how competitive they are, or go to:
and fill out a short online application.
Hope this helps!
Berkshire Hathaway HomeServices
The Tonnesen Team - with over 30 years of experience helping families call Las Vegas "home!"