Mortgage buyer chief Richard Syron tells shareholders the company's earnings will grow 15% to 20% this year, but not before taking $6 billion hit from bad mortgages. Brokers are the ones who help you find lending companies with the best rates. Brokers have a greater access into the best mortgage rate options posted by lending companies. This means that you get a wider selection of loan products and terms for you to decide which one has the best mortgage rate.