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Unlike banks or credit unions, who only offer their products, mortgage brokers (that’s us) have the flexibility to shop among wholesale lenders. Since all lenders are competing to make loans we can find the best pricing/rate combination for your situation. Our commission is paid by the lender and is the same regardless of which program, rate, or lender you choose. Our only motivation is to get you the best loan possible so you’ll come back to us for all your mortgage needs. At Integrity First Financial our name is our business.