How Do Mortgage Brokers Offer Lower Rates and Fees?
MURRAY MORTGAGE SOLUTIONS
America's Most Trusted Mortgage Broker
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As an independent Mortgage Broker with access to hundreds of various lenders, Murray Mortgage Solutions secures the lending option that fits your specific needs. Whether it's a Conventional, FHA, VA or Prime Jumbo Mortgage, we're able to originate and close the loan directly through the lender on your behalf. The broker model for obtaining financing results in not only better rates and lower fees, but also a smoother and more transparent experience.
PURCHASE
REFINANCE
CORE ADVANTAGES
#1
Lower Interest Rates and Fees
The Mortgage Broker model for obtaining financing revolves around two main factors. Our ability to access lending through Wholesale Mortgage Channels and our ability to take one application and shop at hundreds of different Lenders. Since these Wholesale Lending Channels are only responsible for Underwriting and funding the loan, they can offer Brokers far lower interest rates and fees.
#2
Independence
We work for you, not the Bank or Lender. We’re not beholden to corporate sales quotas designed to close as many loans as possible regardless of what’s in your best interest. We’re transparent, objective and focused on ensuring we match our clients with the best product available. Independence also means we have a much wider variety of financing options to choose from.
#3
Speed
Our state-of-the-art loan origination technology and focus on automation allows us to streamline the entire mortgage process from start to finish. This ensures your loan not only closes on time, but ahead of schedule. Our average Closing time is 10 business days or less.
#4
Convenience
Mortgage Brokers don't just simply match you with a Lender. We're also licensed Loan Officers who fully originate the loan through the Lender on your behalf. We perform every function the Loan Officer/Mortgage Banker would have, had you gone directly to the Bank or Retail Lender. The difference is that we do it for cheaper, faster and more conveniently. We work around your schedule and are available 24/7 to ensure a smooth experience from start to finish.
#5
Mortgage Expertise
We’re mortgage experts, not salespeople. We aren't trained to sell only certain mortgage products for one company, we hold a wide range of mortgage knowledge and tools that we use to capitalize on the best financing option available. We also have access to a vast network of Realtors, Underwriters, Closers, Appraisers and Title Companies, so there’s never a question we can’t answer.
#6
Financial Expertise
The Founder of Murray Mortgage Solutions, Ryan Murray, started this company with a specific goal in mind. Create a Mortgage Brokerage that truly focuses on the impact mortgage financing and real estate ownership have on his client’s long-term financial goals. As a CERTIFIED FINANCIAL PLANNER TM Practitioner, he uses his experience and knowledge to determine the deeper financial impact and identify the best strategy to achieve your goals.
#7
Transparency
The core of our business model is based on a strong focus and commitment to transparency. Every aspect of our operations is designed to ensure our clients have access to the tools and information needed to fully understand the Mortgage process and how it impacts them financially. It also means that if we can’t provide the best financing solution for your goals, we’re obligated to refer you to someone who can.
INSIGHTS
![Aerial view of downtown Detroit at sunset in Michigan, USA.jpg](https://static.wixstatic.com/media/a5a379_960f7e6f7ad8497db8e9dbe0280e2ea0~mv2.jpg/v1/fill/w_112,h_75,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/a5a379_960f7e6f7ad8497db8e9dbe0280e2ea0~mv2.jpg)