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Originally Posted by MillerTime GFG
Was just going to mention the same thing topfive. True North has very competitive rates, as they buy down their rates. They also work somewhat exclusively with a select few lenders, so their product line is very limited. Not everyone will qualify with them, as they don't have the ability to choose between many lender. Things like terms, pre-payment privileges, penalties and all around service level are lacking with someone like True North.
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True North has many lenders as their disposal. They just choose their favourites. Which many brokers do as well.
The lender True North gets the 2.99% 5 year fixed rate from does have some restrictions (no ports or blends). But that same product is also available to all brokerages too. But those brokerages offer 3.09% for the exact same product. True North's 3.09% rate is the full service one that others offer 3.19% for.