to use a mortgage broker or not when you have a good

[tom]

credit score and financials? i'm buying a co-op unit. i have a good credit score, job and financials. everything else being constant (same bank, same time period, etc. ) can a mortgage broker get you a better deal on a mortgage than you can with the same bank. if so , how are they able to do this

[motherofthree]

You will pay way more in closing fees if you use a mortgage broker as opposed to going to a bank. Mortgage brokers are usually used if you don't have the best of credit or need "creative financing". If you can get a loan at a bank that would be your best bet. Good luck.