Anyone owns a home, which mortgage broker is not restricted by EY? I’m in tax and I don’t work on provisions. I tried to search on the independence tool and it seems like everything is restricted 😂

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The mortgage is secured by the house. Secured loans don't create an independence issue.

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I believe mortgages and car loans are generally not an issue. Might need to do some digging in the independence policy.

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Isn’t this on the CPA exam? Secured loans like cars and homes don’t normally matter. (I’m tax, not audit)

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This is bad advice. There absolutely are restrictions on mortgages. Call Independence.

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The mortgage itself should not cause any independence issues but make sure you report it to independence. Title insurance on the other hand should be researched before you get a policy as you could have independence issues with that.

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I was told to use Wells Fargo by independence. It had something to do with that being EY's bank.

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I'm sure your local credit union is fine. They usually offer better rates anyway.

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Search around on EY employee website. There used to be a list of preferred lenders.

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Only issue for you is if house is worth less than the mortgage balance.

If it’s your primary residence and first mortgage - some restrictions don’t apply. I have a mortgage with a broker ultimately owned by a financial services client I work on, I checked with Independence and have it in the system, they said no issue.

Thanks everyone!!!!!

This is going to be my second home. I currently have freedom mortgage and I think it’s restricted, but because my mortgage was bought by freedom from my original mortgage firm rather than myself apply directly I was able to get away.

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