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| Why use a broker? A better question is, "Why would anyone want retail rates, when a broker can provide wholesale rates?" Think about it. Would you rather pay retail rates or wholesale rates? Just like any other industry, there is retail and there is wholesale. In the last few years, over 50% of home mortgages have been made through the wholesale side of the industry. The individual simply does not have access to the wholesale rates. The mortgage broker does. The mortgage broker is not an extra middle man in searching retail rates. Absolutely not. We have access to wholesale lenders such as: Wells Fargo Wholesale, Countrywide Wholesale, Chase Wholesale, Citi Residential Wholesale, Fifth Third Wholesale, Flagstar Wholesale, US Bank Wholesale, BOA Wholesale, Suntrust Wholesale, Wachovia Wholesale and more! The broker is the homeowners' access to the wholesale market and has wholesale lenders competing for your loan! Are these wholesale lenders of high integrity? Of course. In fact, many of the retail lenders you see on TV and newspapers have separate wholesale lending divisions. There are also wholesale lenders who do not have a retail exposure, don't want to have the costs of offices with employees and lend only in the wholesale arena through brokers. If you have any further questions concerning the benefits of using a wholesale broker instead of a retail bank or credit union, please ask your licensed professional at Seaside Mortgage and ask for Doug. Apply online and save even more! Click here. * Rates, points, costs and APRs are based on 10/19/2007 using Bank of America's, Wachovia's and BB&T's own websites. Loan based on certain credit, income and documentation criteria for an owner occupy SFD 20% down with a $200,000 loan amount on a 30yr fixed product. ** Deepest cuts for loans with Fannie Mae Approve/Eligible and Freddie Mac Streamline Accept and Accept Plus. This offer does not apply to Fannie Mae Expanded Approval levels, Freddie Mac Standard Accept, borrowers with more than three investment properties and using that income to qualify, non-conventional, subprime or loan amounts under $100,000. |
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| Ask about PAID Closing Cost Option! |
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| Where good credit is rewarded and damaged credit is rebuilt. APPLY ONLINE OR CALL NOW! Toll Free 866.452.0876 910.452.0876 Ext. 118 Ask @ PMI tax deduction! Email us |
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