It's a funny thing, to be able to give an opinion means that you *should* know something about the topic at hand. What you are doing here is spitballing and trolling. When people who are DOING THIS FOR A CAREER tell you that you are wrong, then you are probably wrong. Don't argue otherwise.Mark77 wrote: ↑Jan 7th, 2014 6:40 pmEither way, you're going to have to pay a commission. Whether you go with the in-bank-branch people (who need the commission to pay the mortgage sales staff), or a mortgage broker, who charges a commission. The only way you could really DIY the whole mortgage process is to find some people who want a secure investment, and borrow from them.
Also good luck finding "some people who want a secure investment." This statement is so gold. The guy who has been VEHEMENTLY preaching about subprime and housing crash just called a mortgage a secure investment.
Anyway, why don't you just do both. Then go with the best mortgage that fits your needs. No one said you cannot do both together.