There are five main reasons to use a mortgage broker when buying or refinancing a home: 1) Expertise - brokers specialize in mortgage solutions and understand options, 2) Assistance - brokers will negotiate on your behalf and manage the process, 3) Personalized service - brokers are available every step of the way to answer questions, 4) Tailored solutions - brokers can find the best mortgage to fit your unique needs and finances, 5) Time savings - brokers do the legwork so the process takes less of your time. Using a broker provides knowledge, assistance, customized service and saves time compared to arranging a mortgage on your own.