I'm in the middle of house hunting (finally, yay!) and a friend recommended talking to a mortgage broker. Honestly, I'd never really thought about it before, just assumed I'd handle everything directly with my bank. But now, the more I read about it online, the more I'm seeing mixed opinions. Some people swear by brokers, saying they saved tons of money or got way better rates. Others say it's just an extra step and you can get equally good deals yourself if you're willing to shop around.
It's kinda overwhelming, tbh...like, I barely have time to keep up with daily life, let alone becoming an expert negotiator on mortgage rates, you know? 😂 I'm leaning toward giving it a shot just to simplify things, but I'm curious what most folks around here tend to do.
Quick poll—when you got your mortgage (or if you're looking now), did you/would you:
A) Go directly through your bank
B) Use a mortgage broker
C) Shop around yourself online
Feel free to share why or any tips, 'cause clearly I need all the help I can get!
"It's kinda overwhelming, tbh...like, I barely have time to keep up with daily life"
Totally get this feeling. When I bought my place, I went with a broker mostly because I was paranoid about missing something important. Didn't save a fortune, but the peace of mind was worth it for me.
