A mortgage broker is the person who pulls your credit, to see if you qualify. And then verifies your income and figures out which loan program is best for you. Getting the right mortgage broker makes a difference. The more loan programs available, the better your chances of getting a Pre Approval, the better your odds of closing. 40% of all Pre Approvals get denied by a lender. Every year some 2.4 million homebuyers get a mortgage. You can be one of those. It may be right away, or maybe a couple of months or maybe a year or 2. Or, it may cost you more. I will present you options, just like going to a restaurant and you decide what makes sense for you. If you need a mortgage, write or call me. I will let you know right away. I know you do