Question 1

How do Mortgage Brokers Shop mortgage rates/pricing?

Accepted Answer

Mortgage brokers compare mortgage rates and pricing just like you would, but in real time with access to a wide network of lenders. I shop for the same rate, at the same time, across multiple lenders to find the best fit for your goals.

Question 2

Does working with a mortgage broker cost more?

Accepted Answer

Not at all. I get paid either by the lender or by you — not both. If the lender pays me, it’s built into the rate they offer. If you pay me directly, it’s upfront, clearly disclosed, and typically comes with a deduction in rate. Either way, you’re not paying extra just because I’m a broker. That means you get professional guidance and competitive options at no extra cost.

Question 3

Why do Mortgage Brokers exist?

Accepted Answer

Mortgage brokers exist because large lenders realized how expensive and inefficient it is to originate loans directly with consumers. Instead of building massive retail sales teams, lenders work with independent brokers who already have local relationships and market knowledge. This setup allows lenders to cut costs — and gives borrowers access to more options, better service, and competitive pricing.

Question 4

Can you help if my bank said no?

Accepted Answer

Absolutely. Banks have rigid guidelines. As a broker, I work with multiple lenders, each with different approval criteria, including options for self-employed borrowers, lower credit scores, or unique income sources.

Question 5

What types of loans do you offer?

Accepted Answer

I help with a wide range of loan types, including:
 • Conventional
 • FHA, VA, and USDA
 • Investment property loans
 • DSCR and Commercial
 • All types of refinances
 • Reverse mortgage

ISAIAH JOHNSON TEAM
NMLS #2627067 | M&M MORTGAGE NMLS #213677

FAQ

Licensing

NMLS #2627067
Washington State Department of Financial Institutions
NMLS Consumer Access

Regulated by the Division of Real Estate

ISAIAH JOHNSON TEAM NMLS #2627067 | M&M MORTGAGE NMLS #213677

FAQ

Licensing NMLS #2627067 Washington State Department of Financial Institutions NMLS Consumer Access Regulated by the Division of Real Estate

ISAIAH JOHNSON TEAM
NMLS #2627067 | M&M MORTGAGE NMLS #213677

Licensing

NMLS #2627067
Washington State Department of Financial Institutions
NMLS Consumer Access

Regulated by the Division of Real Estate