The Loangoddess~~ Currently license with the Department of Real Estate since 1998, In the loan industry since 1996. . Having been on both sides of the spectrum as a Direct Lender/Broker, brokers definitley have a better handle on the industry . Brokers do not have set guidelines which will help you when shopping for right loan based on your criteria. We have multiple banks to choose from so we are able to get you the best rates as well as turn times. In today's market, it is not simply "who has the best rate?" but 'who can actually get the job done! Banks always low ball on the rate and in the end normally cannot perform within the time frame nor product guidelines.. A true professional Mortgage Consultant, should be seasoned and know the everyday changes in this industry!