Technology will have a economic impact that we have yet to realise.Hopefully brick and mortar will last another generation since I do not use on line shopping in any form. 

They work with numerous banks in your area so they can shop around for the best loan terms for you.

It can be "one stop shopping" for you and add a lot of convenience. 

I got an interesting phone call from an elderly client yesterday. 87 year old woman who regularly goes to the hairdresser every 2 weeks.Hairdresser is located in a shopping center that's next door to a Mercedes dealership.Evidently customers of the Mercedes dealership routinely park in the shopping center and the center's management company has warned the Mercedes dealership on multiple occasions.My client drives a Mercedes.My client goes in for an hour and gets her hair done.

@Russell Brazil I only buy on the commercial multi side, so our PSAs say pretty much whatever we want them to...my counterpoint to your 3 vs 6 is what about 117%....so I have to close because someone gave me pawn shop rates?  

Honestly, unless you have a sizable team of seasoned pros or run a PE slave-shop where you can grind Ivy-league analysts for 100+ hours, you will be fighting a losing battle. 

Then shop them around and go with who is best for you.

Spreading from my experience with habitat and seeing them very active in the area I shop I would say that yes it helps to have Habitat houses close by.

If you can pay all cash then you need to shop at the auctions.  

Like "here's my family land, but you can't turn this beautiful ranch into a commercial shopping center.