I work with many lenders, including most major banks. Unlike your bank which offers the same mortgage to all of its customers, I am able to compare the many mortgage options available to you. If you have ever shopped at Costco, you know that when you have larger volume, you get better value. To your bank, you are one person getting one mortgage. But, because of high volume, I am like Costco. So, I can get you get a great mortgage at a great price.