Mortgage lending is a key component in home ownership. Mortgages cost you money to maintain and that is the interest you pay to the bank or mortgage lender. Getting a mortgage from a lender that is not offering best interest rate can cost you thousands of dollars. Going to your bank is the best way to land in that situation. As a Mortgage Expert I work for my clients to ensure they are getting the best rates available for their situation. When do you need to talk to a mortgage expert? When you buy your first home or your forever home. Every time your mortgage comes up for renewal. Access home equity to consolidate debts. Access home equity to enjoy retirement. In all of these situations I put my clients needs first and find the best lender to fit their needs.