Art, take a look at my website, abfunders.com, at my video why you may want a loan broker
https://youtu.be/CyQ4XCk72YQ

Keep in mind that funders in-house have employees on the sales side and while they may try to compete with the brokers, because they're "DIRECT" they will claim that they'll give you the best deal.... but that's just being a broker in disguise and you'll probably end up with the same rates. As long as the brokers don't charge you any sort of "PSF" or fee agreement, and you can easily go elsewhere without the fee agreement, but you won't save much on the rates unless you put brokers up against each other and make them compete for your business.