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Weekend late I compared bank renewal to broker quotes and noticed the total interest over the term diverged more than I expected.
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A co-worker's offhand comment about "broker found me a lender" led me to discover the broker works with many lenders, not just the Big 5.
After talking to a broker I found out their service wasn't billed to me, it was paid by the lender - that detail changed how I shopped renewals.
After our bank renewal arrived I ran the math on a quarter percent difference and the broker's spreadsheet made the monthly impact obvious.
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