Hi, I am Bill Borkowski owner at Arizona Home Loan Advisors and I have over 33 years in the mortgage business.  A couple years ago I opened my own  brokerage where the customer from start to finish without me handing the file to anyone else.  This drastically reduces the cost to you.  This has a second benefit to you, 97% of my customers have loan approval within 3 days.  Most other lenders take weeks.