Mortgage bankers . Mortgage bankers borrow money from banks or pools of investors, underwrite the mortgage loans, and sell them to investors for a profit. Mortgage bankers are often able to tap sources of loan funds such as insurers or pension funds that you would normally not have access to. For more information, see the Web site of the Mortgage Bankers Association . Mortgage brokers .
Mortgage brokers find the best loans available in exchange for a fee paid by the lender.
Their clout with lenders can help you find better terms than if you go directly to a lender. Brokers are not lenders but intermediaries, introducing buyers and sellers. Mortgage broker listings can be found in your local yellow pages directory. Real estate agents are also a good source for finding a mortgage broker. Home sellers .