For the most part, seasoned real estate investors have long standing relationships with their bankers and don't need help with a refinance or a loan commitment for a new multifamily property. However, an experienced mortgage consultant usually has a few tricks up his sleeve that even the most knowledgeable real estate players don't. 1. An "in" with a decision maker at a local bank. Small local banks are often overlooked as a source of construction financing. A successful mortgage broker doesn't just forward your loan application to a loan officer. He calls the loan officer's director on their cell phone. And because smaller banks don't have a bloated bureaucracy your loan will close faster.