Plain and simple - for better rates and quality service. As an agent, lenders compete for your business, so they offer certain rates, and incentives to try and win you over. These can be smaller pre-payment penalties in case you sell or refinance early, more advantageous pre-payment privileges, as well as lower rates. Plus, once your home has been funded, you will not be pushed aside. You are a client for as long as you choose to be and I will always be here to answer any questions or offer advice.