Let's start simple: What is a mortgage broker? A mortgage broker acts as the intermediary that negotiates mortgage loan options for individuals, groups, and business organizations.  Banks provide you the loan options for their institution but brokers are responsible for canvasing a wide-variety of banks to find the best option for their clients.  

What advantages do PCM brokers have over your local bank?

People’s Choice Mortgage brokers have an edge over your local branch and other brokerages, working with over 80+ lenders.  We have a vast array of information and resources.  Having more than one option, provides you the opportunity to shop for the best deal for you. Our loan officers well-connected but we have an in-depth knowledge about the ins and outs of loan options. Our expert knowledge will provide you with adequate loan options, giving you the ability to make educated financial choices.

The biggest bonus to PCM is you are not just a number here. Once you have contacted our brokerage, we spend the time it takes to get you the results you deserve.  We realize how important purchasing your home is.  We do everything we can to ensure you are not only approved but feel like you have joined the PCM family throughout this process. People's Choice Mortgage has worked with clients to push loans thru in record time. There are also times PCM loan officers have intimately worked alongside clients for months, ensuring they are able to achieve their dream of home ownership. 

This type of developed and caring, customer service makes our company unique.  Taking this additional time can potentially be worth several thousand dollars in savings for our clients throughout the loan process. The only way to discover your loan options and learn how you can save money on potentially avoidable fees, is to reach out and start the conversation.  The sooner you reach out, the more time you have to be prepared and educated when it's time to commit to a closing date. 

Is there an additional fee to work with PCM?  

 The majority of the time, our fees are paid by the lender. We disclose all fees and structures of fees in a broker's agreement which happens early in the loan process. Although it’s uncommon, there are times where there may be a broker fee that is to be paid by the buyer. In these rare cases, we disclose this prior to moving forward with your loan process. This is one of the many leading reasons why choosing us as your brokerage firm is so important. We do not have hidden fees. 

In Summary, PCM offers more than a bank: 

Wide Scope of Advice

Your local, branch is limited to their institutions loan options, in turn limiting your path to approval. At PCM we work with over 80 lenders, so we able to provide an array of loan options. This will you narrow down your loan option, to one that best meets your financial goals. 

Numerous Options to Approval 

Our job as your mortgage broker is to help you understand the different mortgage products that are available for your credit and income level. We will help you develop an action plan so that even if you don’t qualify for the mortgage you'd like today, you’ll be able to educated on what it would take to get to your ideal loan option.  We don’t give bad news, we educate our clients and take the fear out of rejection. 

Negotiate Loan Options to Work for You

PCM  brokers are not hinged on fixed rate options, like many banks are. We can help you look into your financial records and determine the right lender and rates to apply for.  PCM officers understand the loop holes, can identify pitfalls and hidden clauses in loan paperwork, saving you money in the long run. There are times when your bank may offer a lower rate but it could be riddles with extra fees hidden in the layers of paperwork that come with your home loan.

Work with a brokerage that really cares about the financial future of their clients, PCM is the place for you.  Education is always at the forefront of our conversations with our clients. It is important that you feel confident in not only your loan options, but in your brokerage firm as well.