Private banking account

[Ben C]

Hi,

I am shopping for a 30 years fixed mortgage and my credit score falls couple points below the "excellent" range. it's only because I had a $56 collection back 6 years ago, which I was due to a move and paid in full soon I found out. anyways to keep the story short, the mortgage person I currently work with said he couldn't do anything about it. I came across this article where it says private banker is more flexible and have discretion to decide on mortgage loan with possible better rate, fees, and credit. anyone had this experience before? please share if you do.

P.S the credit score is costing me at least $2500 on fees and can get better rate.

Thanks in advance.

Ben