Most homebuyers know the big banks — but there’s a whole other world of mortgage options that could save you thousands. Meet monoline lenders: the under-the-radar mortgage specialists who focus solely on home financing. They often offer lower rates, more flexible terms, and fewer hidden fees than traditional banks. If you’ve never heard of them, you’re not alone — and that’s exactly why it’s worth finding out how they can give you an edge in today’s competitive housing market