Many real estate agents routinely refer their clients directly to banks—Wells Fargo, Chase, Citi, or sometimes a credit union. Often, it’s simply because they know someone there, it’s familiar, and it feels convenient.
But what’s convenient for the agent isn’t always what’s best for the client.
Banks offer what I call vanilla loans. They follow very specific, rigid underwriting guidelines. If a client’s money is already sitting in that bank, they may receive a preferential interest rate—but only if everything fits neatly into the bank’s box. Real life, however, rarely fits into neat boxes.
That’s where we come in. As mortgage brokers, we don’t start with a single product—we start with the client. We look at the full picture: income structure, property type, timing, goals, and challenges. Rate is just one part of the transaction, not the entire story.
If a bank solution works, great. If it doesn’t, we have alternatives. And in many cases, we can match—or even beat—bank pricing, while offering more flexibility and better guidance.
So, the real question is: why keep sending your clients to banks by default?
It’s your choice—but if you want a true professional who can tailor solutions and genuinely serve your clients’ best interests, give me a call: (415) 225-7920, or send me an email: mannykagan@comcast.net.
Best wishes,
Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983
