Posted by Jeff Modeski (NMLS ID #217558) ● January 27, 2020

How to Choose Between A Local Mortgage Company and Your Bank

Local Mortgage Company or your bank


The time has come where you have finally saved up enough dough to buy a home! How do you choose where to get your loan? Should you go with a local, independent mortgage company or should you go with your everyday bank? Your local bank may do a fine job providing your checking and savings accounts, but are they mortgage experts?

Top reasons to get your home loan from a local mortgage company

  • At your local mortgage company, you're more than just a number.  Your local independent mortgage company won't have as many customers as a large bank, you will be treated like their only customer, and you will get the care and attention you deserve throughout the process, with the option to meet your loan officer face-to-face and have in-person meetings to go over any questions you may have.
  • Mortgage expertise and local experience. Because their only focus is mortgages, an independent mortgage banker can present you with all the most up to date loan options, scenarios, and local and state laws. This can lead to a smoother, quicker, and less frustrating transaction.
  • Independence to offer products and programs that best suit local homebuyers. An independent mortgage company has the flexibility to offer special programs and offerings that may be unique to their area. They are in control of what they can offer to their customers.  

At Apex Home Loans, we are independent mortgage experts with over thirty years of experience helping local homebuyers. If you are in the market to buy a home in the near future, give me a call and I can go over everything we have to offer and answer any questions you may have about the homebuying process.


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