If you have significant investments with your bank and a private banking relationship – there is a chance you can leverage that into the best offering from the bank. In addition, some banks have programs that they offer exclusively at a branch level. Working with a qualify mortgage broker (such as Signet Mortgage) provides access to a wide variety of lenders including the wholesale division of the big banks and many lenders whose primary business is mortgage lending and offer more competitive pricing and more options. Signet Mortgage Corporation has about 15 lenders to choose from providing flexibility and the most competitive options.