[Greg]

any mortgage broker should be able to secure a loan much cheaper than any retail outfit hands down.

I am a retail banker that can broker and our in-house rates are and have consistently been beating Countrywide, Flagstar, Interfirst, Chase, Wells Fargo, and I am sure a lot more. I track them because I can broker too.

But, in general he is correct. Retail outfits I have networked with charge a slightly higher rate than their wholesale side to offset the costs for having an office and paying benefits.

But, retail outfits also tend to charge lower fees so if the retail outfit is .125-.25% higher than the wholesale broker the APR may be lower with the retail lender due to the lower closing costs.

In summary I would deal with a broker over a banker due to the lending choices you have with them. But, if it is a Banker that can Broker then that is pretty unsurpassable. Unless you are Florida Man.

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