To say that using a refinance quote holly springs creates a middle man effect (broker to the lender to borrower), and to then assume this effect creates more cost to the borrower is not entirely fair. Refinance quote holly springs do not deal in the retail world of loans. Most direct lenders, lenders that you can access on your own, have a wholesale department with the sole purpose of servicing the loans sent in by mortgage brokers. These departments are commonly referred to as wholesale lenders and they offer pricing that is not available to the public and allow brokers to be competitive on a retail level with mortgage bankers. I think it is important to point out that on occasion, a wholesale lender will price unusually low to beef up their pipeline of loan originations and a broker can be in a position to take advantage of this for you whereas a refinance quote holly springs wouldn't.