WHAT IS THE DIFFERENCE BETWEEN A MORTGAGE BROKER AND A BANK LENDER? CAN GOING DIRECT TO MY LOCAL BANK GET ME A BETTER INTEREST RATE? HOW DOES READY MORTGAGE GET ME A LOWER RATE THEN THEIR COMPETITORS? I HAVEN’T CLAIMED ANY INCOME OR HAVE TAKEN A LOSS LAST YEAR, CAN I QUALIFY? DO I NEED TO PROVIDE TAX RETURNS? I HAVE BAD CREDIT BUT EQUITY IN A BUILDING, CAN I QUALIFY? DO I HAVE TO BE A US CITIZEN TO GET A LOAN WITH READY MORTGAGE?