Should You Use a Mortgage Broker or Go Straight to a Lender?

Philly Buyers: Let’s Talk About Mortgage Brokers

One of the most common questions I get from clients is whether they should use a mortgage broker or go directly to a lender. There’s no one-size-fits-all answer—it really depends on your financial situation, timeline, and how much rate-shopping you want to do.

This article from Nasdaq does a great job explaining how mortgage brokers work, how they’re compensated, and why they might be a better fit for certain buyers.

If you’re not yet pre-approved, I put together this quick financing guide that breaks down how the pre-approval process works, what documents you’ll need, and what to expect. It’s designed to help Philly buyers move forward confidently—whether you’re just starting to explore or ready to make an offer.

You can also check out my full buyer services page to see how I support clients from their first showing to closing day and beyond.

Curious how current rates impact your monthly budget? Here’s a breakdown that connects rate changes with real-world affordability—especially important in today’s shifting market.

🧭 Recap:

• Not sure whether to use a broker? Start with this Nasdaq article.

• Need help with pre-approval? Read the financing guide.

• Want to understand the full process? Explore my buyer services.