Not all mortgage brokers are created equal. Some work for banks and call themselves mortgage specialists. They can only offer the banks mortgages they represent. Independent mortgage brokers have access to over 40 lenders and up to 400 mortgage products across the country. Some mortgage brokers work alone and others have teams. Mortgage brokers with teams typically have systems and processes in place in their office to get you approved quickly. Other mortgage brokers do lower volumes. Brokers that do high volumes can have access to specialized rates, products and lenders as well as dedicated underwriters at many lenders to help you get approved. Finally, experience is also very important. The mortgage industry is complicated and has seen many changes over the past few years especially. An experienced independent mortgage broker can guide you through the mortgage process, offer solutions customized to your needs and make the process easy and smooth. If you have any questions about working with a mortgage brokers, please do not hesitate to reach out.