Why Use Barton Creek Lending Group?  Here's why!

Often, we are asked what the differences are between getting a mortgage loan from a bank and obtaining one from Barton Creek Lending Group, a broker.  We would like to present explanations on why you should only consider a broker instead of a bank.

 1.  Cost.  A broker is going to look at many different lenders to have them compete to get you the best rate.  We have the ability to get rates wholesale from the big name bank down the street instead of the retail price the bank is offering.  We have many lenders to choose from who compete for your business.

2.  A mortgage broker represents you, the customer, not the lender.  Because we are not employees of a particular lending instituion, we do not have a conflict of interest a bank employee may have, and will seek the lender with the best solution for you, not the best or easiest solution for the bank. 

3.  A broker has more knowledge to consider all inquiries.  A broker is a professional mortgage specialist.  We do one thing...find the best solution for our customers' home buying needs.  We look at all types of inquires from all types of customers to find the best mortgage solution. 

4.  A broker has far more incentive to get you the best value and solution for your loan.  A broker is compensated only when your loan is completed and funded.  Bank employees are paid a salary and will be paid tomorrow whether your loan closes or not.

5.  A mortgage broker saves you time and gives you more choices.  Most people don't want to spend the time and energy seeking out the best mortgage solution by contacting a range of lenders, obtaining information about interest rates, fees and closing costs, and comparing available loans.  We perform all of those tasks for you.  A bank can only offer the services provided by their institution.  They can't use a program another lender might provide that they don't offer. 

6.  Some people may want more flexibility in the amount they borrower than is offered by their bank.  A mortgage broker may be able to accommodate that desire by finding them a lender which will, for example, lend them money with a lower down payment than their bank demands.  Also, if your loan is denied by one lender, it can be quickly moved to another.

7.  Barton Creek Lending Group provides free pre-qualifications to customers.  We can get you pre-approved at no cost or obligation.  Most banks charge you to get pre-qualified whether you choose to do the loan with them or not.

The above reasons illustrate why two out of three people use a broker when obtaining a mortgage loan.  Even though these are valid and important, we feel you should choose Barton Creek Lending Group because of our service.  We truly want you to be part of our family, and we will always be there should you have any questions or problems relating to your mortgage loan in the future!