Finding and getting a mortgage is a lengthy process. Many national institutional lenders promote their fast pre-qualifications and ease of use, but do they really make the process easier?

Getting a mortgage isn’t like buying a pair of shoes online, it’s not a quick, one-time interaction. You will inevitably need to communicate with your lender, realtor, seller, and title company repeatedly over the course of weeks or months. Out-of-state lenders and banks, though they might give homebuyers a fast prequalification, are not easy to work with after the initial prequalification. When borrowers engage a national or out-of-state lender, they will often never speak to the same person again. The originator who took their loan application is no longer in the picture, and borrowers are left with impersonal communication with an office a thousand miles away.

Internet lenders and big institution banks are typically not willing to take time with any of the important people involved in the mortgage transaction. It’s much easier to work with a local mortgage broker like Indigo Mortgage who is accessible at any time, to all parties – realtors, sellers, buyers and the title company. Borrowers can meet us face-to-face, drop by our office anytime, and talk with the same person from application to funding.