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Mentor
If you do you have a really bad broker :). If anything the broker will charge a fee for finding that best rate for you.
I have seen better rates usually through brokers. My local credit union was able to beat it one time though. Get the rate from a good broker and see if others can beat it.
Brokers for sure. Over 20k brokers through United Wholesale Mortgage. But, still shop brokers. Avoid BankRate, LendingTree and Informa powered ads for sure. If you are a veteran, Veterans United Home Loans has incredible reputation for excellent service.