...****5.99% APR first Mortgage and 7.99% APR for second . Variable rate first mortgage subject to change after consummation, fixed rate second mortgage. ***Credit score/CLTV=Combined Loan To Value limitations apply. Another thing is that mortgage brokers can be more resourceful than banks. Because mortgage brokers do not work for only one company, they have more access to mortgages and loans. Greater suitability and better mortgage options are what mortgage brokers bring to their customers.