• Many trusted legal and financial advisors, as well as real estate professionals, have relationships with lenders in the mortgage industry they refer clients to in good faith.  However, many of these people don’t know how the loan products and rates available to you through one or two of these lenders compare at any given time with loan products and rates offered by numerous other lenders.  That’s generally because their primary focus is not on closely monitoring the mortgage market and they don’t have a system that allows them to track and compare rates and loan products of dozens of lenders, then match that data to your particular circumstances – we do.

• Rates and closing costs posted online by many lenders can be difficult to compare, can be of varying degrees of accuracy, and can be tied to assumptions that may or may not apply to your particular circumstances.  This often requires borrowers like you to engage with salespeople at multiple lenders to obtain this information, often with mixed results.  The MortgageSmart service allows you to skip this time-consuming, often confusing, and frustrating process, as it is built on a system that harnesses technology in conjunction with old-fashioned written verification processes, to ensure that information provided about rates and costs available to you from some of the most competitive and reputable lenders is both accurate and applicable to your specific circumstances.

An important distinction to note:  Some of the most well-known companies that connect borrowers with lenders pride themselves on having state-of-the-art technology and a large network of lenders.  However, many of these companies not only limit the lenders they connect you with to lenders who agree to pay those companies for making these connections, but they may also further weaken the value of such a network by only connecting you to those lenders who are willing to pay them the most money at that particular point in time for the type of loan you are looking for.  In other words, the selection of lenders the company seeks to connect you with is primarily determined based on the best interests of the company making the connection, regardless of whether this is in your best interests.  On the other hand, since lenders being tracked by the MortgageSmart service are not being charged any fees, the lenders the MortgageSmart service brings to your attention are determined based on which of these lenders can offer you the best options - in other words, they’re based on your best interests - period.