If you are shopping for a mortgage, a mortgage broker doesn’t usually cost you anything but has great advantages. She can put one inquiry on your credit report and then shop around several institutions. If you shop around, each institution puts an inquiry on your credit report, possibly raising a red flag if there are several inquiries. As well as doing standard mortgages, Kerry may be able to help if you are self-employed or want to purchase properties for investment purposes. We’ve enjoyed working with her for almost 10 years now.