Direct Lender v. Retail Bank or Mortgage Broker

What is the difference and the benefits?

Direct Lenders control the entire process: underwrite, close and fund loans with their own money. 
We do all the work in-house and use our funds to offer the most comprehensive portfolio of programs. 

Retail Banks offer a limited portfolio of programs at typically much higher interest rates and fees.  
Costs include branch locations, employee salaries and expensive tv/radio/print advertising.

Brokers don't underwrite, close or fund loans and CANNOT issue Approvals or Commitments.
The final outcome is uncertain until the Bank makes their underwriting/funding decision. 

Take control of your financing to receive the best rates and service.

As a local Direct Lender we offer the best programs with the lowest rates and fees available. 

We have relationships with Fannie Mae, HUD, Retail Banks, Wall Street and Private Investors. 
 

In the end we offer the lowest rates and fees available with the highest quality possible. 

Investment programs with AmTrust (formerly Ohio Savings), Astoria Federal Savings, Chase Manhattan, Citimortgage, Countrywide, First American Bank, Fifth Third Bank, Franklin American, GMAC, Harris Bank, HSBC, Indy Mac Bank, ING, Nationwide, Provident, Regions Bank, Sun Trust Bank, Taylor Bean & Whitaker, US Bank, Washington Mutual, Wells Fargo and private investors as well as Fannie Mae, Freddie Mac, FHA and local Bond-Grant programs.  

Contact me for access to hundreds of programs.