It is common sentiment that you have a bias against mortgage brokers and wrongly perceive that banks offer better mortgage options. I have over 25 years experience in real estate sales, and have learned during that time that the lender is critical in the financial well-being of my clients.
When you call a bank, you get their rate, price and program combination. When you call a mortgage broker, they usually have over 40 different sources of funds and widely varied prices and programs.
My experience is that mortgage brokers and mortgage bankers are far more competitively priced than any bank. In fact, if you care to find out more, a Vice President at Illinois' largest bank, wrote an article called the "Bankers Dirty Dozen". It lists 13 reasons why you should never go to a bank for your mortgage. Contact me, for further information.