<prompt> Human: Hey guys,We are a young couple looking to get a home loan for a townhomecondo in Dallas, TX.We had a couple interviews with a few brokers and BofA I am platinum preferred there, which is why I considered them: they all pre-approved us with the amount we want.We have been told that brokers are preferred because they do a faster closing and that sellers dont like to see BofA or banks as lenders. Is there any truth to this or is it purely the sales pitch of the broker.Banks must have a pro too otherwise why would people choose them?The brokers have been refereed to me by my realtor which I trust, she works with them often and they gave me a good impression on the phone as well.BofA offers me a 0.25 interest discount and 600 off my mortgage initiation fees.I went to see the BofA specialist face to face and I was honestly impressed by her professionalism and her attitude.My question is : What is the pro cons of a mortgage broker vs. a bank? Should I pick BofA?  <response>: most likely a broker can get you better terms. Generally we close loans faster than most banks. I have people come to me with their B of A approvals and its very easy to beat their rates and terms while providing an occasional lender credit to even sweeten the deal. 