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What’s The Difference Between The 3 Types Of Mortgage Professionals?


Mortgage Broker?  

Mortgage Specialist?  

Mobile Mortgage Specialist?  

Mortgage Manager?  

Financial Services Representative that does Mortgages?

Ever wondered what the difference between all three are?


Mortgage Broker:  These guys are licensed.  They take a mortgage broker’s license and they have access to multiple lenders.  They get paid by a percentage by lenders.


(Bank Name) Mobile Mortgage Specialist:  These guys work for the bank.  They took some mortgage courses but did not take a mortgage broker’s license.  They do not get paid a salary, they get paid by a percentage of the mortgage by the bank.  They can only sell their own bank’s mortgage products.


Bank Representative:  These guys work for the bank.  They get a salary from the bank.  They may have taken some mortgage courses but did not take a mortgage broker’s license.  They can only sell their own bank’s mortgage products.


Which one is the best?  It’s up to you.  I prefer mortgage brokers who are licensed because they have access to multiple lenders, including smaller lenders.  However, some people only want to get their mortgage from certain big banks that mortgage brokers may not have access to.  

One thing for sure is I recommend clients to not shop based on rates.  Lenders often lure clients with their low, attractive rates, but that’s not where they make the money.  Lenders make their money on the back end.  Just like how Apple makes more money through their accessories, lenders don’t make the big money through the front end low interest rate.  


If you’re looking for a great mortgage professional, feel free to contact me and I can refer one to you.

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