Choose A Broker If You Like Options!

By partnering with multiple lenders, brokers can provide borrowers with mutliple loan solutions, find the most competitive rates and match them to a loan solution that fits their needs.



Mortgage brokers are mortgage professionals who bring borrowers and lenders together. Simply put, we help the borrower find the best possible solution to meet their home buying needs, and because we aren’t a bank or lender offering our own products we can objectively help you find a mortgage product that is right for you.

One of the biggest benefits of working with a loan officer is flexibility. When a borrower first applies, a loan solution that may seem right at the start of the process may not be the best option as the information regarding the loan is processed. Information about the borrower’s circumstances and the contracted property can change. In some cases, the loan programs’ rates/fees or guidelines change. Mortgage brokers can quickly adapt to these changes and look at other lenders to find the best product for a borrower’s purchase.

As a mortgage broker, we are able to serve more borrowers and offer many more programs than a traditional bank or lender. Having multiple lenders to look at allows us to accommodate buyers who may have unique financial situations that a bank either won’t or just can’t consider. We take pride in what we do because we know we do our job exceptionally well and we love helping homebuyers achieve their goal of moving into a new home.

Why Choose A Mortgage Broker?

Mortgage brokers provide you with choice, convenience, and expertise. We have over 30 years of experience financing homes in Pennsylvania. Not only that, we make the process easy. Using technology, our borrowers are kept up to date with every step of the loan process.

There is never any guesswork because we walk each borrower step-by-step through the entire process until they are closed on their new home. We’ve served thousands of homebuyers across the state of Pennsylvania. Here is what they have to say.

Here are a few frequently asked questions:

No. In fact, they aren’t either. However, acting as an independent contractors, they are licensed professionals who gather documents, review your credit, verify income and apply for loans on your behalf.

Mortgage brokers are most often paid by lenders, sometimes by borrowers, but never both. Lender-paid compensation plans can range from 0.5% to 2.75% of the loan amount. This cost will be part of your mortgage payment. You can also choose to pay the broker yourself. The rate may be different from the lender-paid option. You will have to ask.

Yes, mortgage brokers are regulated by both federal and state laws. They are even regulated by licensing boards.

No, brokers are independent businesses that connect borrowers with lenders. They are not employed by the lenders or obligated to do business with any one lender.

Yes, loan officers are employees of a lender and are paid a salary and get commissions for writing loans.

Mortgage brokers, work at a mortgage brokerage, which is licensed and regulated, and work with multiple lenders. Some brokers may work with over 10 or 20+ lenders giving them access to a wide range of loan solutions.

This would be a rare occurrence if it happens all. There is such a competitive market among lenders and brokers to get your business that offering a borrower the highest rates and fees just wouldn’t make sense. Any mortgage shopper who does their due diligence and checks with a couple of different mortgage companies will ultimately find the loan options that best fit their needs.

In addition, brokers want to provide the best possible service and solutions. This goes beyond just finding you the best rates and programs but also working with lenders who have excellent underwriters, the ability to fund the loan on time and are in compliance with the consumer’s requirements. Also there are strict government guidelines in place to ensure this isn’t happening which include sending mandated disclosures to every borrower.

Schedule Your FREE

Mortgage Consultation Today!

Talk to a Co/LAB Lending Loan Officer to discuss your mortgage options. Our team is happy to answer your questions and help guide you to the perfect mortgage options.

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Find Out If You Qualify?

Take the first step and apply now. Getting started is easy and it only takes a few minutes. Once completed our team will deliver a decision in less than 48 hrs.