From BB's for NWBR regarding mortgage brokers.......
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Personally I bought a house two years ago and got a great rate and term from a mortgage broker at the time that everything was unravelling in the financial market.
My sister was buying at the same time and got a better rate from her bank than from a mortgage broker friend that she had.
Personally I would at least talk with a broker first and see what their terms are and then go to your local bank and see if they can match it or better it.
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