Absolutely not. When you use a broker to apply for your loan, you can often get better rates than what you could by going directly to your bank. First, we’ll show you the lowest rates from over 25 lenders, then we get some info, do lots more research, and find the one best option. Finally, we’ll negotiate with the bank to get you an even better rate, if possible. Our service costs you nothing and often you’ll end up paying a lot less than nothing – by going with a different bank, or paying a lower rate, or both!