why start shopping for a house or consider refinancing without first talking to a mortgage broker? Unlike banks and giant online lenders, independent mortgage brokers specialize exclusively in home loans. They can find the best loan for your situation. And because they have access to wholesale rates, they’ll pass those savings along to you (think lower monthly payments!). Mortgage brokers are entrepreneurs who are rooted in your community, and always have your goals and best interests in mind. So you can feel good knowing they have your back throughout the entire process — all the way from pre-approval to closing.