Jennifer Spergl

Buying, Building or Selling a Home in TN?

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Finding A Mortgage Broker

If you are in the market for a new home, or looking to refinance your existing mortgage, then you will want to consider the option of hiring a mortgage broker rather than an individual lender or lending institution.  With times being as tough as they are for so many people, and the instability of the financial markets, shopping around for the best deal in a mortgage is of vital importance.  A mortgage broker is a one-stop mortgage option that can save you time, and most importantly, money.  Here are just a few reasons you should consider a mortgage broker.

Who Are Mortgage Brokers?

Mortgage brokers are financial professionals who are paid a commission to match lenders and borrowers.  They usually work with dozens of lenders as freelance agents and can match you with a lender than offers the best mortgage for your financial situation and personal needs.  They are qualified to evaluate your credit situation, offer you a variety of loans from different lenders, and can submit the home buyer’s application to one or more lenders.  A good mortgage broker is able to find a lender to suit a buyer with just about any credit rating.

Why A Broker Can Work For You

While the idea of a commission fee paid to a broker may not seem worth it, in most cases this cost is passed back to the lender.  Brokers provide a service to lenders which saves them time and resources, and often they are willing to absorb this cost.  Lenders who work with brokers are also more aware that their offer will be competing with other offers from different institutions, and in many cases this means that you are getting the most competitive rates and terms available.

A mortgage broker can definitely find a mortgage that can work for you, but as in hiring any professional, be sure you are certain they are qualified to give you advice and services you are requesting.  Your REALTOR® can give you the names of reputable brokers in your area, and there are also a number of organizations that monitor the profession.

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Testimonials

We interviewed a few different realty companies and felt very comfortable with Jennifer and loved the flexi...

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Thank you for making the MLS services possible! We gained MAJOR & IMMEDIATE exposure with our listing ...

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Dear Jennifer,

Thank you for all your help with selling our home! We really appreciated all the tim...

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Blog

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Jennifer Spergl

318 SEABOARD LANE
Suite 115
Franklin, TN 37067

Direct: (615) 207-9530
Office: (615) 371-1544

jennifer@jenniferspergl.com


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