Call Support
Email Address
Loan Options And Comparisons
Different loans follow different rules
It can be a jungle out there but don’t worry we brought a map snacks and a compass. Our team stays up to date with changing lender rules state regulations and federal guidelines so you don’t end up lost in paperwork. We’ll help you dodge the red tape and breeze through to approval like a pro.
Direct Isn't best
In many cases, mortgage lenders are direct lenders meaning they only offer their own set of loan programs. They’re not brokers. Their business model is built around a limited lineup of in-house loans, so naturally, their loan officers are trained to guide borrowers into the products their company offers. Even if another type of loan from another lender might be a better fit, they simply don’t have access to it.
Company Quotas and Profit Margins
Many direct lenders push certain loan programs because They come with higher profit margins There are corporate incentives to promote specific products Loan officers may have sales goals tied to internal products In short, they might be "guiding" you, but their real goal is hitting company benchmarks not necessarily your best interests.
Why a Mortgage Broker is Different
A broker, like Premier Point Mortgage, works with multiple lenders 30 or more in our case and has access to hundreds of loan programs. We don’t try to make you fit into a loan We find a loan that fits you We shop around for the best rate, terms, and flexibility We explain why each option works and give you a real choice
Bottom Line
Lenders choose the loan for you because they have to. Brokers present the best options so you can make the smart choice.
Let’s be honest... mortgages are like jeans.
If you try to squeeze into the wrong one, it’s uncomfortable, awkward, and can totally throw off your whole day. That’s why at Premier Point Mortgage, we’re not in the business of forcing a bad fit. We’re here to tailor your loan to your lifestyle, your budget, and your dreams of that perfect backyard barbecue or peaceful reading nook.
join the success
Don’t just take our word for it, hear from our clients
Premier Point Mortgage
NMLS #2184348
Discover leading properties and secure your dream home with us. Expert guidance and support at every step.
990 Raritan Rd. Clark, NJ 07066
Legal Statements
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
© 2022 Premier Point Mortgage LLC - All rights reserved.