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Why Use a Lender?

Lenders vs. Brokers

Lenders and brokers both perform a variety of loan origination tasks which include finding, counseling and qualifying borrowers, taking applications, checking credit, and verifying employment and assets.  But the lender is the one who must approve the deal and disburse the money to the borrower. 

Mortgage brokers usually are not authorized to provide final loan approval, nor do they disburse money.