I used Edwards Financial Services earlier this year to obtain a mortgage in order to buy a house in Oro Valley. Three years ago I did an online search to find a VA loan to buy a house in Northwest Tucson. Based on this experience of using two different methods to obtain home loans, I have to say that using a mortgage broker saved me a lot of money as Mr. Edwards was able to use his knowledge of the industry to obtain a very favorable interest rate on the mortgage. He also impressed me greatly with his efficiency and honesty, and he takes a clear pride in trying to obtain the best possible deal for his clients. He carefully and patiently explained the process and all of my options, and pointed out that he would make more money if I chose a higher interest rate with the loan processing fees to be paid by the lender rather than the lowest rate for which I would have to pay the loan fees myself. (I chose the lower rate.) I believe that it would be in the financial interest of almost any home buyer to use a mortgage broker to obtain a loan, and Edwards Financial Service is one of the best choices if a buyer is looking for someone who has the professional competence and integrity to ensure that the buyer is receiving the best possible deal. read more