Due to the high rate of mortgage defaults and declining homeprices, many banks have tightened their mortgage lending practiceand have made it quite difficult to obtain a mortgage. Those whoare looking for a mortgage, and are having a difficult timesecuring a home loan, should consider working with a mortgagebanker to get their mortgage. Working with a mortgage banker hasmany advantages compared to getting a mortgage through atraditional lender.The first reason to work with a mortgage banker when getting amortgage loan is that a mortgage banker can often provide aborrower with lower interest rates and fees than traditional bankscan offer. Mortgage bankers often work for institutions that onlyoffer mortgages to their customers, as opposed to traditional banksthat also provide deposit account