WHY CHOOSE FAULKNER?
One conversation. More lenders to compare.
Faulkner Financial Group LLC, powered by Barrett Financial Group LLC, shops multiple lenders to help you find financing that fits your goals.
Explore your optionsHow is a mortgage broker different from a bank?
A mortgage broker compares financing from participating lenders, while a bank generally offers its own mortgage products. Faulkner Financial Group shops available options through Barrett Financial Group LLC, NMLS #181106. Neither model guarantees a lower cost: compare written offers, available programs, fees, service, and the ability to meet your closing timeline.
On this page
Mortgage broker vs. bank or direct lender
Both can be good choices. Compare actual offers and the service you receive rather than assuming one lender type always has the lowest cost.
| What to compare | Faulkner through Barrett | Bank / direct lender |
|---|---|---|
| Lender choice | Access to shop over 180 lenders; options depend on your scenario. | Generally offers its own lending programs; some also broker loans. |
| Rates and fees | Compare pricing across participating lenders. | May offer competitive pricing and relationship discounts. |
| Loan options | Compare traditional programs and specialized options such as bank-statement and DSCR loans. | Product range varies by institution; some offer specialized programs. |
| Personal service | A dedicated team explains options and supports you through closing. | Service may be through a local loan officer, online team, or call center. |
| Final decision | The selected lender reviews and approves the loan. | The direct lender reviews and approves the loan. |
Your goals guide the comparison.
We help you weigh payment, upfront costs, documentation, timing, and the years you expect to keep your loan. Our role is to explain the trade-offs and help you compare available choices, with support throughout the process.
Could you save thousands?
Differences in rates, points, and fees can add up over time. Potential savings depend on your qualifications, available offers, loan terms, and how long you keep the loan. No lender type guarantees the best rate or lowest total cost.
Bring another offer.
Ask us to review competing Loan Estimates using the same loan amount, term, loan type, and rate-lock assumptions. Compare lender charges, APR, cash to close, and the five-year comparison before choosing.
Further reading: CFPB: Compare and negotiate loan offers. Reviewed October 21, 2026.
Let’s compare your options.
Tell us your goals, then speak with Jindra or Brian about available programs and next steps.
Get personalized guidance Call (847) 238-9932Content updated · Published by Faulkner Financial Group LLC. Contact Jindra Faulkner, NMLS #225020, with content questions.