Add to that day-care expenses for her 2-year-old daughter, rent and utilities, ...More People Pick Bankruptcy Over PovertyThe Ledger, FL -May 30, 2008She owes almost twice that on her credit cards, student and car loans. 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.