For those of us with less than perfect credit, obtaining home refinance near me straight from your local bank can be frustratingly futile. Banks look solely at the home refinance near me to determine whether you are eligible for a mortgage loan or not. A mortgage broker has access to several lenders at any given time which allows them to navigate what each lender can offer you. Not the other way around. Additionally, home refinance cary nc will negotiate interest rates and loan terms on your behalf to the lender; considering your best interests all throughout the process. The types of loans that are available contain fine print conditions that could greatly effect your monthly payments. A mortgage broker can work with you to match your budget to the right type of loan.