If you have good credit and 5-10% to put down on a house, you'll pay less closing costs going to a bank.
If, on the other hand, you have a more difficult loan (credit problems, no down payment, or you're looking for a 2nd home or rental), Gateway is a great place to go.
They can take your "difficult" mortgage and shop it around to several lenders. With sub-prime loans, you'd be surprised at the rate difference you'll see between different lenders.
The one drawback - your closing costs will be $500-$1000 higher than at a bank. But, if you get a better interest rate, it's well worth it.
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