How we work · JUL 2026
What a mortgage broker does (and why the rate can be lower)
A broker finds the loan and runs the process; a wholesale lender funds it. That structure is a real part of why the rate can be lower.
This guide is being written. It will explain what a mortgage broker does and why a broker's rate can be lower in plain English — no jargon, no sales pitch, and a complete answer you can act on without talking to anyone first.
We write these the way we'd explain it to a friend who asked: what the thing actually is, when it matters for your loan, and how to tell whether it helps you or not. When the full article is ready it will live right here.
In the meantime, the fastest way to see what any of this means for your own numbers is the rate tool — it shows a real rate for your scenario in about 30 seconds, with no signup and no credit check.
No signup · No credit check · About 30 seconds