Online lenders have their merits, but when it comes to personalized service and speed to respond, an experienced local mortgage adviser can’t be replaced. If you have a trickier financial situation, an online lender’s algorithm may turn you down without exploring every avenue to make your dream of homeownership a reality. Sometimes, the opposite happens with online-only lenders – borrowers will get approved even when they shouldn’t be.


Most homebuyers would agree that finding a perfect mix of convenient technology and face-to-face human help is the best way to a smooth closing.