Just wanted to share my two cents on this. So, I'm fairly new here and still figuring things out, but I recently needed a 5k loan and had this dilemma too. I decided to go the broker route, specifically found this awesome
Mortgage Broker Derby. Turns out, it's less about not trusting mates and more about having a pro guide you through the financial maze. My broker was a lifesaver—helped me understand the nitty-gritty, got me a decent deal, and, bonus, no awkward convos with friends. Definitely recommend considering a pro, made my life a lot simpler.