A common question people wonder is whether to use a broker or banker for their mortgage? As far as rates go, they are very comparable. It is commonly misjudged that brokers have higher rates but this is not accurate. Brokers do get a commission but their fees come out of the more competitive rates that they are able to obtain. Also, if you work with an experienced mortgage broker, you will find that they have excellent knowledge and are able to provide you unbiased advice since they don’t work for a direct financial institution. I’m Karen, your Mortgage Genie whose helping you find the home of your dreams.