brokers do the work and get it done.
banks add lots of red tape
i went to chase (local) to get a mortgage after 6 mo i gave up to much red tape,
now the funny part!
i went to a broker- close less than a month- 2 months later the bank sold (servicing) to chase!
no my banker upset why i didnt use him- he sees i used "chase"!
Ditto minus the 6 months , took me 3 days to realize its a waste of time
I found it so appropriate for Corporate America
And Chase direct had a higher rate had I gone direct , Yet they purchased it for less
Might have to do with bundling??? I'm not familiar