If you have excellent credit and good stable employment you may qualify for financing through your own financial institution. The reason to use the services of a mortgage broker in this situation is simple...TO SAVE MONEY. Because we have access to many different lenders with different products, we will work to try to find the best rate and terms depending on your situation! In most cases, the financial institutions pay our fee, so let us try to find you the best mortgage for you! (O.A.C.*)