With multiple ways to obtain a mortgage, some future homeowners may feel comfortable choosing a well-known bank or lender.

However, more borrowers are discovering that banks can only offer the products and services contained in their financial guidelines, so it’s possible that you’ll end-up paying a higher rate and not receiving that personal touch.

A broker, such as Three Rivers Lending, for example, has a group of 15 lenders and a variety of products to choose from, so they will only apply with a lender that will provide you with the best rates and loan program …and that saves you both time and money.