As I am sure you know, all mortgage lenders get their money from the same pile–wall street.  The difference between me as an Independent Mortgage Broker and a retail lender is exactly what it sounds like.  Retail charges retail pricing (go buy a shirt at the mall) for a mortgage.  I charge wholesale pricing for mortgage.  Retail has massive overhead, which increases expenses, and they pass that expense on to you.  I have minimal expenses. So you get the same product, an exceptional ⭐⭐⭐⭐⭐ White Glove experience and pay lower costs and less interest. 

Understanding long- and short-term financial goals and current cash flow and equity position is very important in helping structure the financing to best meet the needs of any borrower. That is our focus. We are not a loan service but are not a financial planning firm either.  We help people find ways they can make their money work for them, so they don’t have to work as hard for their money. We are not overpriced.  Our rates blow the doors off the Quicken’s of the world and we only earn revenue if a loan funds.  However, our business is built on the endorsements and referrals of our clients (just like how we are meeting) so we commit all our effort to create a ⭐⭐⭐⭐⭐ white glove experience for our clients. Of course, we would love to add you to that list.