One Percent Lender

Independent mortgage brokers can offer several advantages over going directly to a lender for a mortgage:

1.

Access to a wider range of lenders: Independent mortgage brokers have access to multiple lenders, which means they can compare rates and terms from different lenders to find the best fit for their clients. This can result in finding a mortgage with better rates, lower fees, and more favorable terms.

2.

Personalized service: Independent mortgage brokers work with their clients to understand their financial situation and goals, and then recommend mortgage options that meet their specific needs. They can provide personalized guidance and advice throughout the mortgage process, which can be especially helpful for first-time homebuyers.

3.

Expertise and experience: Independent mortgage brokers have specialized knowledge and experience in the mortgage industry, which can be invaluable when navigating the complex process of obtaining a mortgage. They can help their clients understand the different types of mortgages, the various requirements for each, and what documentation is needed for the application process.

4.

Convenience: Independent mortgage brokers can often save their clients time and hassle by handling much of the paperwork and communication with the lender. This can reduce stress and make the mortgage process smoother and more efficient.

5.

Cost-effective: Independent mortgage brokers may be able to secure better rates and terms than their clients could find on their own, which can result in significant cost savings over the life of the mortgage. Additionally, many independent mortgage brokers work on a commission basis, which means their services are typically free to clients.

There are several benefits to using an independent mortgage broker rather than a big bank when shopping for a mortgage:

1.

More options: Independent mortgage brokers typically have access to a wider range of loan options from various lenders, including smaller and niche lenders, which can increase your chances of finding the best mortgage for your unique needs.

2.

Personalized service: Independent mortgage brokers work directly with you, taking the time to understand your financial situation and goals, and can provide personalized advice and guidance throughout the entire mortgage process.

3.

Cost savings: Independent mortgage brokers may be able to negotiate lower interest rates and fees on your behalf, potentially saving you thousands of dollars over the life of your mortgage.

4.

Faster processing: Independent mortgage brokers typically have more streamlined processes and can often process applications more quickly than big banks, which can be especially helpful if you need to close on your loan quickly.

5.

Transparency: Independent mortgage brokers are required to disclose all fees and commissions they earn, which can help ensure you're getting a fair deal and avoid any surprises.

Overall, working with an independent mortgage broker can provide more options, personalized service, cost savings, faster processing, and transparency, making it a smart choice for many homebuyers.

About Us

Dr. Troy Roland, MBA, MS, EdD

Owner/President, Roland Realty / Financial Services

Dr. Troy Roland is an award-winning academic, and real estate investor with over 30 years’ experience. As the founder of Roland Realty/Financial Services, Dr. Roland, who is a licensed mortgage broker in California, has acquired residential properties with a focus toward expansion with additional locations or accessory dwelling units (ADU’s) to maximize profitability of the land. As an expert in revamp and rehab properties, Roland Financials’ return on investment for real estate projects far exceeds industry standards.

As an academic, Dr. Roland is a Fulbright Scholar awardee and a recipient of university commendations for helping learners achieve the doctoral degree. He has assisted and taught 100’s of learners toward their doctoral education as a methodologist, chair and residency faculty. Dr. Roland, who has also led institutions through ten accreditation visits and reviews, has also held executive level positions that included chief academic officer and president of online and traditionally oriented institutions. Dr. Roland holds a Master of Business Administration, a Master of Science in E-Business, and a Doctor of Education in Organization Change from Pepperdine University.

He has written books on higher education accreditation, organizational effectiveness, real estate and human development.