The Saskatchewan REALTORS® Association's own data shows financing falling through most often on the appraisal, not the buyer's credit, so an agent who knows which Saskatoon streets or property types tend to appraise short is protecting your approval before your lender even sees the file.
An agent also times the condition clauses in your offer to your lender's process, so financing is confirmed before the condition deadline rather than after, and flags anything, from a missing permit to a leased furnace, that a lender's underwriter is likely to ask about, alongside a home inspection running $400 to $600.
None of that replaces your mortgage broker, but it removes the surprises that make a broker's job harder. Get your hand-reviewed valuation from Joel Dyck.