Expertise.com

Best Mortgage Brokers in Phoenix

2024

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Providers

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Website
2242 South Osborn Lane, Gilbert, AZ 85295
  • Mortgage Broker
  • Multi-Family Homes
  • CMA
  • Refinance
  • Purchase

Why choose this provider?

Olympus Home Loans is a mortgage brokerage that serves the Phoenix area. It offers different kinds of loans to assist its clients in purchasing or refinancing a home. Choices include adjustable-rate, 15-year and 30-year, and reverse mortgages. In addition, the other options are VA, FHA, 203K home, jumbo, USDA, and HARP loans. Olympus Home Loans also links customers to lenders that could meet their mortgage needs. Its president, Joe Garza, serves clients personally and makes integrity his top priority.

License Verified:

License: 1673089

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (120)
Facebook
5.0 / 5 (35)
Zillow
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Call for estimate

Website
3230 E Broadway Rd, Ste 220, Phoenix, AZ 85040
  • Refinance Your Home
  • Low Credit Options
  • New Construction
  • Purchase a Home
  • Consolidate Debt

Why choose this provider?

Agave Home Loans is a mortgage financing company that serves clients in Phoenix. With a residential loan, the firm assists individuals and families in maximizing their financial capacity for a home purchase. Its mortgage brokers work directly with lenders to assist clients in locating the best mortgage loan for their financial needs. Some of the home loans provided by the company include conventional, FHA, VA, fixed-rate, and non-QM loans. The firm was founded by Marshall Gottlieb and Doug Wang, who are real estate and lending specialists.

License Verified:

License: 1951574

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1069)
Facebook
4.9 / 5 (166)
Zillow
5.0 / 5 (111)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Call for Today's Rates

Rate:
$

Website
Phoenix, AZ
  • Mortgage Brokers
  • Mortgage Refinance
  • Home Loans

Why choose this provider?

Since its inception in 2019, Echo Home Loans has been providing Phoenix and the surrounding areas with wholesale mortgage brokerage services. While assisting clients with their urgent mortgage needs, its professionals also offer guidance on how to meet their long-term financial goals. Among the mortgage programs they provide are VA, USDA, FHA, DPA, non-conforming construction, and reverse loans. Echo Home Loans works with clients in other states, such as New Mexico, Florida, Texas, California, and Colorado.

License Verified:

License: 1896470

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (63)
Facebook
5.0 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Consultation

Website
20860 N. Tatum Blvd. Ste. 275, Phoenix, AZ 85050
  • Refinance

Why choose this provider?

Desert Capitol Services is a mortgage company that caters to customers in Phoenix. It aims to provide clients with home loans and assist borrowers in overcoming roadblocks that they may encounter while securing a loan. When applying for a mortgage, the company will ask for the customer's property, income, source of funds, and debt or obligations. It offers various mortgage rate options, including adjustable ARM, interest-only, fixed-rate, and graduated payments. Additionally, the company also offers refinancing and other loan program options.

License Verified:

License: 183095

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (51)
Zillow
5.0 / 5 (18)
Facebook
5.0 / 5 (13)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8700 East Pinnacle Peak Road, Scottsdale, AZ 85255
  • Refinance
  • Commercial Loans

Why choose this provider?

Counsel Mortgage Group, LLC is a mortgage brokerage company helping customers needing professional mortgage counseling and financing services in Phoenix. It finances homes, condominiums, and commercial buildings. Some of its loan programs include conventional home, VA, FHA, as well as USDA and jumbo loans. Specializing in straightforward mortgage advice, its team helps clients get the best option for their financing needs. The company is affiliated with the Equal Housing Lender and the Association of Independent Mortgage Experts.

Attorney Information

Attorney NamesExperience
John Rapasky - Founder, President33 yrs

License Verified:

License: 178927

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
17470 North Pacesetter Way, Scottsdale, AZ 85255
  • Refinance
  • Commercial Loans
  • Reverse Mortgages

Why choose this provider?

Blake Mortgage is a Scottsdale-based company that provides financial assistance to Phoenix-area residents and business owners. For almost two decades, it has been offering comprehensive mortgage products that support a variety of ventures that need funding, such as construction projects and home buying activities. Blake Mortgage also offers conventional loans, commercial real estate mortgages, VA loans, and reverse mortgage loans. Company founder Harry Blake Panosian, a Philadelphia native, has been in the financial services industry for more than three decades.

License Verified:

License: 150459

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2550 West Union Hills Drive, Phoenix, AZ 85027
  • Refinance
  • Purchases

Why choose this provider?

Goettl Mortgage Corporation (GMC) is a mortgage brokerage and was founded by real estate and lending professionals with over 50 years of combined experience. It aims to educate homeowners in Phoenix about the mortgage process, from pre-qualification to closings. GMC explains the benefits of different rate options, such as fixed-rate and interest-only rates. It also checks if each client qualifies for specialized loan programs like VA and FHA. The brokerage's president, Laurie Goettl Slaughter, has worked as the vice president of a real estate company.

License Verified:

License: 1753384

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (6)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4019 North 15th Avenue, Phoenix, AZ 85015
  • Refinance

Why choose this provider?

Located in Phoenix, A Mortgage Central, LLC, is a mortgage lender that offers a wide variety of mortgage loan programs. The loan programs that it offers include conventional fixed-rate mortgages, adjustable-rate mortgages, FHA mortgage loans, VA mortgage loans, and jumbo loans. It also provides refinance mortgage loans, home equity loans, and construction loans. Additionally, it handles reverse mortgages. A Mortgage Central also arranges Foreign National Loans for non-U.S. citizens who wish to buy a home in the United States.

License Verified:

License: 1937470

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1644 East Bethany Home Road, Phoenix, AZ 85016
  • Refinance
  • Multi-Family Loans

Why choose this provider?

Prostaff Mortgage Corp. guides clients in the Phoenix area that seek to assess their options for mortgage loans. Headed by mortgage specialist and consultant Cal Carlson, the independent firm provides assistance throughout the mortgage process from pre-approval assessment to loan closing. Its brokers help determine suitable loans for various property types such as single-family and multi-unit properties, townhomes, apartments, and condos. Their expertise covers a wide range of loans including conventional, jumbo, FHA, and VA loans.

License Verified:

License: 182448

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8687 East Vía de Ventura, Scottsdale, AZ 85258
  • Refinance

Why choose this provider?

Established in 2008, Galaxy Lending Group, LLC, is a mortgage broker serving Phoenix and the rest of Arizona. It also extends its services to Texas, Colorado, and Oregon. It offers mortgage consultancy services and loan programs for refinancing and home purchases. These include conventional, jumbo, FHA, VA, fixed- and adjustable-rate loans. Home construction loans are also available. President Harold Perkins has been in the industry since 1998. He previously worked for a small broker shop before becoming a loan originator at the Galaxy Lending Group.

License Verified:

License: 142766

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
300 West Clarendon Avenue, Phoenix, AZ 85013
  • New Construction
  • Refinance

Why choose this provider?

Established in 2005, Veritas Funding provides mortgage financing services in Phoenix. Its team of professional lenders and brokers offers mortgage solutions to its clients from mortgage lending and refinancing services. The company also creates timely results, particularly in the field of residential transactions. Through Veritas Funding's partnership with several local and national lenders, its clients can choose from various loan programs to fit their needs, whether they are considering a purchase or refinancing.

License Verified:

License: 252108

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3225 North Central Avenue, Phoenix, AZ 85012
  • Refinance

Why choose this provider?

Matt Baker, NMLS190779- The Bookspan Baker Team at Fairway Independent Mortgage Corporation #2289 is a group of experienced mortgage broker professionals serving residents in Phoenix and surrounding areas. Their team has over 10 years of combined mortgage lending experience. They help clients decide on the best loan options that are suited to their financial needs. They offer FHA, VA, and Jumbo home loans, conventional and reverse mortgages, and HARP refinancing.

License Verified:

License: 218368

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Yelp
4.5 / 5 (20)
Facebook
5.0 / 5 (16)
Google
5.0 / 5 (8)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9304 East Raintree Drive, Scottsdale, AZ 85260
  • Refinance

Why choose this provider?

Scout Mortgage is a mortgage broker company that has helped Phoenix and the surrounding areas' residents purchase new homes or refinance existing mortgages since 1999. With over 20 years of experience, they have specialized in refinance services that reduce their clients' interest rates and terms of mortgages, obtain equity, and eliminate or reduce private insurance mortgages. They also offer new mortgage and pre-qualification services. Their team of mortgage professionals provides up-to-date loan advice and guidance to their clients.

License Verified:

License: 56553

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Yelp
4.0 / 5 (17)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2980 East Northern Avenue, Phoenix, AZ 85028
  • Refinance

Why choose this provider?

Summit Lending Solutions is a full-service mortgage brokerage firm serving customers in Phoenix and the surrounding communities. It works with multiple lenders to helps clients who wish to purchase a home or refinance their property find a loan program that fits their needs. Its loan options include conventional, jumbo, USDA, FHA, and VA loans. The company's professionals assist customers throughout the entire process of securing a loan. Summit Lending Solutions carries 20 years of experience in the industry.

License Verified:

License: 1678996

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (18)
Facebook
4.7 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1599 East Orangewood Avenue, Phoenix, AZ 85020
  • Refinance

Why choose this provider?

Mortgage Brothers Team is a mortgage team under the mortgage brokerage company Signature Home Loans LLC that serves clients in Phoenix. The mortgage team specializes in originating FHA home loans, VA home loans, conventional loans, jumbo loans, and reverse mortgages for purchases and refinances. Its loan origination services cover primary residences, second homes, and investment properties. The team is composed of licensed loan originators Eddie and Thomas Knoell, Jr. They have more than 30 years of combined experience in the lending industry.

License Verified:

License: 1007154

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (249)
Facebook
5.0 / 5 (30)
Yelp
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1819 East Morten Avenue, Phoenix, AZ 85020
  • New Construction

Why choose this provider?

Jason A. Young has been providing mortgage loan assistance in Phoenix for over 16 years. As an affiliate and loan officer at Starlight Mortgage, Inc., Young addresses the concerns of individuals about buying and refinancing residential properties. He is experienced in processing loan transactions for conventional, jumbo, FHA, VA, USDA, and 203k. He also uses Zip, an online platform where he conducts interviews with his clients. Additionally, the application allows him to reach his borrowers anytime. Young and his team strive to deliver services with integrity and commitment.

License Verified:

License: 218850

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6720 North Scottsdale Road, Scottsdale, AZ 85253
  • Reverse Mortgages
  • FHA and VA mortgages

Why choose this provider?

Joe Herrell is a senior loan officer at NOVA Home Loans who serves clients from Phoenix. He and his team offer several loan options like adjustable and fixed-rate loans, jumbo loans, FHA, VA, USDA, reverse mortgage, and down payment assistance. They help people determine their suitable loan option, find trusted realtors, process the necessary documents, and close the purchase. NOVA has been providing complete mortgage banker and broker services to people looking for new homes for more than three decades.

License Verified:

License: 207987

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Phoenix, AZ

Why choose this provider?

Copperstate Home Loans LLC is a mortgage company located in the center of Phoenix. The company focuses on assisting clients who are interested in either purchasing or refinancing a home property. It offers various loan options, such as FHA, VA, jumbo, and 15 and 30-year fixed mortgage loans. Copperstate Home Loans is affiliated with the Nationwide Multistate Licensing System and Registry. Mortgage broker John Doyle has over 25 years of lending experience, enabling him to help clients achieve the most suitable loans possible.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2 N Central Ave #1800, Phoenix, AZ 85004

Why choose this provider?

Hard Money Lenders Arizona provides mortgage programs for individuals, families, and businesses in Phoenix. It guides clients through the loaning process including the online application, terms disclosing, fund wiring, and monthly payments. The company offers programs such as loans for home rehabilitation, private money, and construction land. It also has commercial financing and acquisition and development financing programs. Mortgage loan originator Michael Iuculano has over 19 years of real estate lending experience. The company has funded over 460 different loans amounting to over $200 dollars.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (203)
Facebook
4.8 / 5 (70)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10429 South 51st Street Suite 275, Phoenix, AZ 85044
  • Mortgage Refinance
  • Mortgage Broker

Why choose this provider?

PHX Lending, a mortgage brokerage in Phoenix, serves home buyers and owners across Gilbert and the surrounding areas. It offers to help clients purchase homes and refinance their existing loans by providing mortgage rates from over 20 wholesale lenders. It also guides individuals throughout their mortgage application and approval process. The brokerage's CEO, Dan Munson, has more than 13 years of experience in the industry—which he utilizes when working personally with each client. Dan was also recognized as one of UWM's Fastest Growing Loan Officers in 2020.

License Verified:

License: 2336671

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Zillow
5.0 / 5 (13)
Yelp
5.0 / 5 (10)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.