Our Agency became a mortgage broker because we wanted to provide solutions to affordable mortgage payments that would benefit borrowers in the long run.  During the pandemic era, we saw many families lose low-interest rate loans to loan modifications that increased rates as high as 7.5%.  The increase in Interest rates also discouraged first-time home buyers from pursuing the dream of homeownership.  As mortgage brokers, we are able to examine a portfolio of mortgage lenders to determine who can provide the best option based on the borrower's need and affordability.