Expertise.com

Best Mortgage Brokers in Lexington

2024

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Providers

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Website
161 St Matthews Ave STE 10, Louisville, KY 40207
  • Mortgage Broker
  • Home Financing
  • Home Purchase
  • Refinancing

Why choose this provider?

Lightpoint Mortgage Company, Inc., is a locally owned brokerage serving residents of Lexington. It helps borrowers select and understand various mortgage loan options, such as FHA, HARP, jumbo, 15-year fixed-rate, and adjustable-rate. The team also assists homeowners in replacing an existing mortgage loan with a new one. Managing principal broker Jason Hostetler established the company in 2011. Travis Berkley, one of the company's loan officers, has a business degree, providing him with a thorough understanding of finance and economic principles.

License Verified:

License: 408969

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 (107)
Zillow
4.8 / 5 (55)
Facebook
5.0 / 5 (25)

(+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 consultation

Lexington, KY

Why choose this provider?

Need help contacting a Mortgage Broker in Lexington? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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 booking service | Call 848.Book.Pro!

Website
88 C Michael Davenport Boulevard, Frankfort, KY 40601
  • Refinance
  • Purchase Transactions

Why choose this provider?

Stockton Mortgage offers loan options to Lexington residents and the surrounding communities. The service provider facilitates various mortgage programs such as conventional, FHA, RHS or USDA, VA, and renovation. Its officers also process new construction, jumbo, and rural hobby farm home loans. The business was established in 2001 by David Stockton, who solely handles mortgage matters at that time. Eight years later, he hired 20 more employees to help him address his clients' mortgage needs.

License Verified:

License: 8259

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.
4.0
Facebook
4.0 / 5 (461)
Google
5.0 / 5 (12)

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
444 Lewis Hargett Circle, Lexington, KY 40503
  • New Construction

Why choose this provider?

Bank of England Mortgage - Lexington caters to the home loan and refinancing needs of the local community. Its mortgage professionals offer a range of loan products, including VA, FHA, USDA, conventional, reverse, and jumbo loans. They also help secure renovation loans and vacation home mortgages. The firm's executives serve as members and board members on various local, state, and national mortgage associations. Additionally, its parent company is located in Arkansas and has been serving borrowers since 1898.

License Verified:

License: 418481

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
Facebook
5.0 / 5 (15)
Google
5.0 / 5 (4)
Yelp
2.0 / 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
2333 Alexandria Drive, Lexington, KY 40504
  • New Construction

Why choose this provider?

USA Mortgage is a mortgage agency providing financing solutions to clients in the Lexington area. Its loan programs include conventional, federal housing, VA home loan, and USDA loan. Its mortgage experience extends to other loan programs like jumbo loans, construction loans, investment properties, bank statement programs, and renovation loans, which allow its clients to finance both the purchase or refinance of a house as well as the rehabilitation of a home with a single mortgage. The company was founded in 2001.

License Verified:

License: 227262

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 (52)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10602 Timberwood Circle Suite 3, Lexington, KY 40223
  • Refinance

Why choose this provider?

American Mortgage Solutions, Inc., caters to individuals and families in the Lexington metro and the surrounding areas. It helps clients purchase homes by offering different types of mortgage programs, such as Fannie Mae, KHC, Rural Housing, FA, USDA, and VA loans. It also serves homeowners who are looking to lower their interest rates by providing mortgage refinance options. Joel Lobb, the senior loan officer, brings more than 20 years of experience in the mortgage industry.

License Verified:

License: 1987320

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 (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
2020 Nicholasville Rd, Lexington, KY 40503
  • New Construction

Why choose this provider?

Derek Shaffer is a mortgage professional affiliated with U.S. Bank. He caters to customers in the Lexington metro and the surrounding communities. As the branch manager, he works directly with clients and helps them find the mortgage program that suits their situation. He assists homebuyers by offering different types of mortgage programs. These include adjustable-rate, conforming ARM and FRM, jumbo, FHA, and VA loans. Shaffer also serves homeowners who are looking to refinance their mortgage.

License Verified:

License: 651978

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 (72)

Website
1099 Duval Street, Lexington, KY 40515
  • Refinance

Why choose this provider?

Marcos Volpini is a mortgage consultant who provides residential and refinancing loans to clients in Lexington and the surrounding areas. He offers various mortgage products such as adjustable-rate and fixed-rate mortgages, federal housing administration, veterans affairs, conventional loans, and renovation financing. Marcos works for Prosperity Home Mortgage, LLC, a full-service mortgage banker operating in 47 jurisdictions across the U.S. One client mentioned that he was responsive, informative, and knowledgeable throughout the mortgage process.

License Verified:

License: 1038931

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 (42)

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
3609 Walden Drive, Lexington, KY 40517
  • New Construction

Why choose this provider?

Based in Lexington, Walden Mortgage Group helps local and national clients acquire financing products tailored to their financial needs. Each staff member has at least 10 years of industry experience and can work with clients to get conventional, FHA, VA, and KHC loans. The company also assists in refinancing a client's existing loan. Jeff Sharp, the company's senior loan officer, was named mortgage banker of the year in 2009 by the MBA of the Bluegrass.

License Verified:

License: 140166

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 (11)
Google
1.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2357 Huguenard Drive, Lexington, KY 40503
  • New Construction
  • Refinance

Why choose this provider?

Hometown Lenders is a firm that provides mortgage loans and planning services for real estate professionals and homebuyers in Lexington. It helps clients achieve their goals of owning homes by offering programs that fit their financial objectives. The available loans are conventional, USDA, FHA, VA, and jumbo. Its team of professionals streamlines the entire process to deliver pleasant and stress-free transactions. Hometown Lenders strives to establish its presence in the local market while having the advantage of utilizing national resources.

License Verified:

License: 1844489

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
4.9 / 5 (307)

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
841 Corporate Drive, Lexington, KY 40503
  • Refinance
  • Purchase Transactions

Why choose this provider?

Rusty Brown is a mortgage broker managing Cross Country Mortgage in Lexington. He has been providing mortgage solutions to individuals and families in the metro and surrounding areas since 2015. Rusty's purchase loan services include conventional, FHA, VA, rural housing, Kentucky housing, and jumbo. He also offers refinance loans such as VA interest rate reduction, FHA 203(k), FHA streamline, and USDA rural streamline. Rusty has more than 16 years of experience in the mortgage lending industry.

License Verified:

License: 3029

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.
4.4
Facebook
4.4 / 5 (127)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2035 Regency Road, Lexington, KY 40503
  • Refinance

Why choose this provider?

Established in 1983, Amerifirst Home Mortgage has a team in Lexington that provides a resource to homeowners through its home loan programs. It focuses on conventional, FHA and FHA 203k, HomeStyle renovation, VA, and RD loans. It consists of mortgage professionals who receive continuous education to stay informed in the dynamic industry. From 2016 to 2020, Amerifirst Home Mortgage has been a consistent recipient of the Best and Brightest Companies to Work for in the Nation Award.

License Verified:

License: 110139

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.
4.0
Google
4.0 / 5 (68)
Zillow
5.0 / 5 (2)
Yelp
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
2700 Old Rosebud Road, Lexington, KY 40509
  • New Construction
  • Refinance

Why choose this provider?

Swan Financial is a mortgage broker that serves clients in the Lexington area. The company aids new and experienced home buyers in selecting a suitable mortgage plan and refinancing plan. Its team of professional brokers handles a wide range of loan options and mortgage refinancing rates that cover the full process from pre-approval to closing. Their website has an amortization calculator tool that clients can freely use to estimate their mortgage costs, interest rate, and timeline.

License Verified:

License: 62611

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.
4.0
Google
4.0 / 5 (36)
Facebook
4.1 / 5 (14)

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
1795 Alysheba Way, Lexington, KY 40509
  • Refinance

Why choose this provider?

Interstate Mortgage is a community lender that has been serving the Lexington community since 1999. It assists clients who are planning on purchasing or refinancing a home through different types of loan programs such as USDA, FHA, VA, and HARP 2.0. Its website contains a variety of information about the loan process, some scenario examples, and mortgage calculators. The office branch manager, Wade Kundinger, is a senior mortgage consultant with 24 years of lending experience.

License Verified:

License: 9601

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.
4.1
Google
4.0 / 5 (29)
Facebook
4.3 / 5 (12)

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
53 Prosperous Place, Suite 2B, Lexington, KY 40509
  • Reverse Mortgages

Why choose this provider?

Pro Mortgages, LLC, serves individuals, families, and businesses in Lexington. It offers mortgage solutions for people looking to buy a new house, refinance their existing home, or apply for a reverse mortgage. Its loan officers guide clients throughout the process, from determining the right loan and making the application to finding ways to reduce monthly payments and interest rates. The company also offers commercial loan programs to support business expansions. Owner Tom Probst has over 30 years of experience in mortgage banking.

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 (2)

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
1030 Monarch Street, Lexington, KY 40513
  • Refinance
  • Purchase and Refinance

Why choose this provider?

Sun Lending USA is a Lexington-based mortgage brokerage firm. It aims to deliver comprehensive options for home loans that help individuals and families in their journey to homeownership. Sun Lending USA offers different types of mortgages, namely fixed-rate, interest-only, adjustable-rate, and graduated payments mortgages. The firm also handles various types of loan programs including VA loans, FHA loans, jumbo loans, and USDA loans that can all be customized according to the needs of the client.

License Verified:

License: 1889

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 (13)
Yelp
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
110 East Main Street, Georgetown, KY 40324
  • Refinance

Why choose this provider?

Just 4 You Home Loans is a mortgage company providing the home financing needs of Lexington. With over 20 years of lending experience, its staff helps clients obtain funding for home purchases. Some of the mortgage programs it handles include conventional, fixed-rate, jumbo, USDA, FHA, and VA loans. Additionally, the team arranges mortgage refinancing through FHA and VA streamline. Its owner, Scott Porter, has a diverse mortgage background. He worked as a regional manager, wholesale account executive, and collection supervisor.

License Verified:

License: 377699

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 (74)

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
1084 East New Circle Road, Lexington, KY 40505
  • New Construction
  • Refinance
  • Multi-Family Loans

Why choose this provider?

Marty Preston is a mortgage professional serving clients in Lexington. He's a certified mortgage planner and branch manager working for Benchmark Mortgage. Marty assists clients who are looking to purchase a new home or refinance their existing mortgage. He also assists in a client's prequalification process in applying for a mortgage. Marty has a special program to assist Lexington veterans in obtaining homeownership as part of giving back to the community.

License Verified:

License: 20984

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.
4.0
Google
4.0 / 5 (388)
Facebook
5.0 / 5 (9)
Yelp
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
2700 Old Rosebud Road Suite 310, Lexington, KY 40509
  • New Construction
  • Refinance

Why choose this provider?

MSI Lending of Lexington is a mortgage financing firm that serves individuals who are buying or refinancing a home. Its team of mortgage professionals assists borrowers throughout the loan process, from the initial consultation to closing. Included in its loan programs are construction, home equity, FRM and ARM, and jumbo loans, as well as reverse mortgages and commercial loans. MSI Lending of Lexington aims to be a strategic resource for its clients to achieve their dream of homeownership.

License Verified:

License: 83514

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 (36)
Zillow
5.0 / 5 (14)
Facebook
5.0 / 5 (6)

(+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

Website
923 South Broadway, Georgetown, KY 40324
  • New Construction
  • Refinance

Why choose this provider?

Alex Davenport is a mortgage professional affiliated with People Exchange Bank. He caters to individuals and families in the Lexington metro and the surrounding areas. He helps clients achieve their homeownership dreams by offering a variety of loan programs, such as adjustable- and fixed-rate, construction, first-time homebuyer, FHA, USDA rural housing, and VA loans. He also assists homeowners who are looking to refinance their mortgages. Davenport brings over 20 years of experience in the industry.

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
141 Prosperous Place, Lexington, KY 40509
  • New Construction
  • Refinance

Why choose this provider?

Martin Blair provides mortgage brokerage services in Lexington and its surrounding communities. It offers access to loans for the purchase and refinancing of investment properties and new homes. Clients include first-time home buyers. Its loan products and programs include FHA, VA, USDA or rural housing, jumbo, and renovation loans. The company offers reverse, adjustable and fixed-rate mortgages. In addition, it provides downpayment assistance and credit counseling and repair. Martin Blair’s team has more than 100 years of experience in the industry.

License Verified:

License: 356821

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 (19)
Zillow
5.0 / 5 (12)

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
220 Lexington Green Circle, Lexington, KY 40503
  • New Construction

Why choose this provider?

PrimeLending is a residential mortgage lender that creates personalized refinancing and home loan solutions in Lexington. It offers a variety of programs, such as renovation and remodeling financing, fixed-rate and adjustable-rate mortgages, construction, and jumbo loans. PrimeLending has almost 30 years of experience in the lending industry, with more than 1,500 loan officers throughout the country. The company's goal is to assess every client and help them find the plan that matches their home goals, priorities, and long-term objectives.

License Verified:

License: 415603

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 (44)
Facebook
5.0 / 5 (1)
Yelp
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

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.