How partnering with an independent mortgage broker can elevate your real estate business

Why so many real estate agents recommend a partnership with a local independent mortgage expert

In a study conducted by United Wholesale Mortgage, 90% of real estate agents who worked with an independent mortgage broker would recommend one to their buyers in the future. And with purchase season around the corner, it’s important to understand the many advantages of partnering with a local mortgage broker and putting those benefits into practice. Luckily, it’s easy to find a partner in your area at

Although a homebuyer can obtain a mortgage through a big bank or mega-online lender, that often results in months of frustration because they are forced to fit into one preordained set of turn times, guidelines and product options. That isn’t the case with an independent mortgage broker. They are uniquely positioned to provide access to an array of loan options with lower wholesale rates, and to deliver an unmatched level of personalized service. 

An independent mortgage broker will assess your buyer’s financial situation and provide expert consultation while gathering necessary paperwork, and work directly with the mortgage lender who best fits your buyer’s specific needs. The speed and efficiency with which many wholesale lenders move often results in loans closing in an average of 15 to 20 days—two to three times faster than the 45 to 60 day turn times typically delivered by retail lenders. This leads to faster closings, happier buyers and you getting paid sooner. 

Since independent mortgage brokers aren’t committed to any one lender, they shop around and compare multiple lenders to find a custom-tailored loan solution with the loan product and rate that match your borrower’s particular needs. They compare lower wholesale rates from a variety of lenders to ensure your buyer gets a lower monthly payment that suits their situation, giving them more buying power—a big advantage over banks and retail lenders, especially as rates begin to tick up this year. 

You know better than anyone that clients often need you at unconventional times, not only during banker’s hours. But independent mortgage brokers are not limited by time constraints and are ready to answer a call and go the extra mile for your homebuyer. Their schedules are flexible, providing more convenience and accessibility for you and your clients. For an independent mortgage broker, they know that being available when clients need them is a part of the business.

A longer-term advantage of a partnership with an independent mortgage broker is the increased opportunity for business growth. When your buyers experience a smooth mortgage process, they’re more inclined to refer you to their friends and family as their all-encompassing homebuying expert. Building a strong partnership with your mortgage broker will also keep you top of mind whenever they have a client who needs a real estate agent. The mutual benefits of this unique partnership are likely to strengthen your business for years to come.   

The benefits touched on here are only a few of many reasons you should consider partnering with an independent mortgage broker in your area. They are true advocates for your buyer and are committed to you and your buyer’s best interests from the very beginning, interests that will undoubtedly lead to referrals and help grow your business. Find your partner today at, powered by UWM, is a search engine created to help you search for a local independent mortgage broker you can partner with to provide a homebuying experience that’s cheaper, faster and easier.Your mortgage broker partner will provide you and your buyer a variety of loan options and approval opportunities, turn times well below the industry standard, access to wholesale rates that can lead to lower payments and a digital experience from application to closing.