Why I never used a broker for my mortgages. But why you should use one (us!)

I used to avoid mortgage brokers. They all claimed they’d “shop around” for the best rate—but somehow always landed on their favorite lender. It didn’t feel independent. It felt like a shortcut.

Worse, most of them wanted us to apply first, pay an application fee, do a credit check—before showing any real rate options. Once you’re in, you’re basically captive. I wasn’t comfortable with that.

And I thought brokers were more expensive. I assumed their rates—after fees—would be higher than going direct. I was wrong.

What I didn’t realize then is that loan officers at banks and brokers both get paid from the same place: the lender. The big difference? Brokers can charge less—if they want to. That’s what we do.

At StratoBridge Lending, we:

• Actually shop real lenders, not just one or two favorites.

• Show you transparent pricing up front, no application needed.

• Keep margins razor-thin to pass savings on to you.

• Don’t pad fees, and don’t pressure you into anything.

I didn’t use a broker back then—because I didn’t meet one who worked the way we do. That’s why I started this firm.

If you're shopping for a mortgage, let us show you a better way. No forms. No credit pull. No pressure.

Just honest numbers and smart advice.