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Mortgage lenders basically earn double profits by refinancing the mortgage and then make it available for the public to buy the Mortgage again , in fact they are making money from both the end from the real owner of the home as well as from the one who buy the Mortgage . The best way is to deal directly and don’t involve any broker in the deal as broker will charge you some commission at the end of the deal and it will not be good both for the buyer and seller .
People go to the lenders because they have some expertise in the particular sector and they know the legal transfers and issues related to the Mortgage as they are doing business in the same industry and they have their own say .
The other benefit of buyer a Mortgage from lender is that there is a limited chance of scam , you will get legal notice along with all the documentation which are required prior to transfer of the property , and in the long run you can also access the lender if any problem come in the long run .