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NerdWallet’s star ratings for mortgage lenders are awarded based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage.

Mortgage Broker Vs. Direct Lender: An Overview. get your finances in shape, review your credit report, and decide where to apply for a loan.

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A mortgage broker can help you identify the best lender for your situation and get the application through. A direct lender is a financial institution that will decide whether or not you qualify.

Commonwealth Bank of Australia latest to tighten mortgages to foreigners – Commonwealth Bank of Australia, the country’s largest mortgage lender, has tightened criteria for home loans. "The Australian banking system’s direct exposure to Chinese property investors and.

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 · Why do lenders need your tax returns? Your tax returns, along with the other financial documents in your mortgage application, are used to determine exactly how much you can afford to spend on your mortgage every month.

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