Why not just go to a bank for your home loan?  Advantage Funding will shop your loan for you to find a great rate.  With a bank, you are only working with one lender.  How do you know that another lender is not offering a better rate?  You do not.  What if rates go down AFTER you lock your rate in?  At the bank, you probably will not be able to get the lower rate.  With AF, we may be able to renegotiate with the lender to obtain the better rate or relock your loan with a lender offering the better rate.

What happens if a bank fails or does not approve your loan?  You will have to restart the application process somewhere else.  At AF, we can resubmit your file to another lender without requiring you to restart the process from square one.  We have long-term relationships with many lenders who have more flexible underwriting guidelines.