It doesn't cost more for the services of a mortgage broker

Mortgage Brokers provide an extremely important service in the field of finance, including loan origination, working face to face with the borrower, pre-qualifying the loan, verifying the credit and property aspects of the loan and making sure that you, the borrower are protected in all areas of the loan.

The Mortgage Broker then presents the loan to the Mortgage Lender for funding.   For providing this valuable service, the lender gives the Mortgage Broker a wholesale cost that makes it possible for you, the borrower to obtain the most competitive rate available.