We are mortgage brokers for a reason, to SERVE YOUR NEEDS! Banks are limited to their program guidelines and the additional restrictions that they place on borrowers. As a mortgage broker, we are not limited to one set of program guidelines. We have the flexibility to work with literally dozens of lenders with varying program guidelines and interest rates. If you have a challenging situation, we can finance you. If your loan is straight forward, due to our ability to shop multiple lenders, you will find our rates to be the lowest around.