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Four questions to ask before choosing a mortgage broker

By Trulia | Published: Oct 14, 2009 | 82 Comments

Mortgage brokers are engaged in the business of finding you the best home loan. Their true clients are the lenders, and their real "job" is to deliver good, creditworthy borrowers like you.

Mortgage brokers have encountered a formidable competitor in the past decade or so, called the Internet. Borrowers can compare loans through sites like Trulia Mortgage, eloan.com and LendingTree.com. Fill out a credit application and receive several offers. When banks compete, as the slogan says, you win.

That's a good way not only to pit lender against lender (a subject for another chapter), it's also useful keep your broker honest as well. Your job is to monitor the market. Why? Because loan rates change daily. A broker acting in sheer self-interest could bait you with one rate (possibly lower than reality), knowing you can't "lock" that rate until you complete the full application process. It's always a good practice to be skeptical and do you homework.

  1. Why haven't I seen a rate like this elsewhere?

    Ask this question only after having done some homework. A similar scenario would be a broker who advertises rates below market to get you in the door, and then lists all the fees necessary to make that rate possible — even including lofty origination fees.

  2. What are the fees and costs associated with the interest rate you've quoted?

    (Above-the-board brokers welcome questions like this.)

    Fees take many forms. There are charges for your credit report, appraisal, title insurance, deed-recording, overnight deliveries, etc. For a rate quote to meaningful, it should be accompanied by a list of all related fees and costs.

    Your broker must supply a Good Faith Estimate of all charges before the closing. The estimated figures aren't set in stone because "third party" costs such as title insurance premiums can change. But it's possible to know the total tab, or a figure pretty close to it, several days in advance.

    Ads and other promises aside, you don't really know what you'll be paying until your rate is "locked". Brokers have been known to game this process. For example, a broker might say your rate is locked when it's not, and if rates go down before closing, he could sell you the higher rate you agreed to and pocket the difference. A broker who plays this game and loses (because rates go up) could tell you that your rate wasn't really locked — it was a misunderstanding.

    If your rate truly is locked, your broker will have proof of it. Hence this line of inquiry:

  3. May I see the lenders commitment letter that shows my rate is locked in?

    Many states have started licensing brokers. This is a positive development, with potential to weed out the few bad apples remaining in the business. In the past, going into business took nothing more than a web site and a shingle. Licensing requirements will prevent scams. Still, one very basic question is always in order:

  4. How long have you been in business?

    Longevity is important--time and nature have a way of separating the wheat from the chaff. With the array of available mortgage products more complex than ever, experience is important too. Look for at least five years in the business. With that as a minimum, your broker will have seen good times as well as bad.

Comments

By Jennifer Beeston,  Fri Nov 6 2009, 07:19
Longevity does not always equal skill. There are many people in the industry who have been in for 10 to 15 years on a part time basis. They do one to two loans a month which may supplement their income but do not do or understand many of the complex loan programs we now offer. A great question is how many transactions have you done in the last year? What is the primary type of loan you do? If the bulk of their business is refinance and you are purchasing a foreclosure with an FHA loan you may want to look around. If they respond to the transaction question with I have closed 20 million in loans with the average purchase price of $200,000 you have a lender who is in the market.
By Al Akerman,  Wed Nov 18 2009, 21:20
Interestingly, the fresh blood that has joined the mortgage industry since 2007 was never spoiled by the subprime/no income, etc., market earlier in the decade. I often find that they are willing to work harder because today's industry is all they know, while alot of verterans are still uptight about all the changes taking place in the industry.
By D,  Tue Dec 8 2009, 20:44
Both are valid points. Not all are uptight about the changes though. This is my 16th year and I've learned to roll with the changes. Starting in a market where it was really tough gave me a great foundation and a long time of seeing how to adjust with the ever changing market.

In my opinion, customers are pretty savvy these days. Start talking to a loan officer about guidelines and test their knowledge. Talk about what's going on in the stock market and see if they are paying attention to what is effecting the here and now. Talk about the history of important issues like when was the last time the Treasury had to print money to fund their programs and how did it effect rates? Did it cause inflation? All of these tie into our market today. So test your loan officer's knowledge.

Regarding Trulia's comment about what brokers can do...let's not forget how lenders are just as much a part of the bad image in this market. It is true, everything about a loan officer will be going online. My credit will be checked, my background, any complaints, my employment history, etc... All of this is good. But I find it funny that if I were to know something bad was coming down the line, I could go work for a bank before it hits and nothing online will show. Bank loan officers are exempt. So you will never know any public information about them. Once the bank hires them, it's up to the bank if they do any further checks. Being a bank manager for years, they don't. Hopefully this will change.

Good Faith Estimate's are changing the first of the year. Figures cannot vary by more than 10% unless there is a circumstance to trigger a change (e.g. appraisal value is less than expected, customer changes purchase price, etc..). This will solve the negative issues presented above. This is all good. It will keep the customer from being surprised at the end (hmm.. I can think of a major bank famous for this practice).

Crystal Beard
Ambient Home Lending
Lending throughout the State of Oregon
http://www.ambientlending.com
By Javier Rodriguez,  Sun Jan 31 2010, 15:16
When I meet with all my clients I always try and view it through the customers eyes what I would want from a mortgage professional. Tell your mortgage professional to keep it simple. Make sure your mortgage borker presents his information clear. Applying for a mortgage is a very simple process if the mortgage professional knows what he is doing. Request a free consultation with more than one mortgage professional to get a feel and ask the same questions to see how they responds to the same question. Dont base your decision just on who offers the lowest numbers. Theres more to it. Go with who you feel the most comfortable with and dont be afraid to ask personal questions. Get personal! Feel free to visit my company website at ww.leonmortgage.com or by telephone at 305-774-1185.
By Home Buyer Help,  Sun Mar 7 2010, 13:05
I have worked for both a broker and national FDIC lender. Personally, I like to see people use the large FDIC lenders (Banks) because they are the ones providing the brokers the mortgage money anyway.

Even a bank loan officer has access to other lenders, so in effect he/she can be like a broker anyway.

The best benefit to the borrower, the bank employee is under FDIC banking regulations where as the brokers are not. That is why we had the mortgage meltdown, brokers were not watching over the aggressive commission based employees.

Now don't get me wrong, there are some good brokers out there, I worked for one of this also, but it was harder to sell the loan.

So the best question to ask a broker; Are you regulated?

Jeff
By Mike Lesmeister,  Tue Mar 23 2010, 19:31
I have worked for both broker, correspondent lender, and FDIC lender. On the contrary, I have found far more flexibility outside the confines of a "bank". No bank offers every program, but brokers and mortgage bankers are far morelinkely to offer what you might need rather than putting you in what they have. My next question would be "how long did it take you to reach someone the last time you called your bank?". If you have trouble getting a live person, you are better off not going that route for the largest financial commitment you make.

Lastly, contrary to Jeff's comments, brokers and bankers are nationally licensed and regulated at the state level. Remember, the FDIC banks were the ones who came up with the interest-only option ARM programs that brokers sold! Unfortunately, the banks have successfully lobbied to keep their loan officers from having to obtain licensing and pass any standardized exams, so I would be sure to ask your bank mortgage loan officer if they are licensed and if they have passed an exam. I think you now know the answer.

Mike
By Rob Bush,  Fri May 7 2010, 12:43
The nationally licensed banks have skirted the laws by having the loophole that their loan officers need not pass a federal test to be a loan officer, need not have a background check, or be finger printed to see if they have felonies/financial crimes that would eliminate them from participating in the mortgage industry. This will mean that those unable to meet strict guidelines will work for larger national banks. Can you say Countrywide? I would not as a consumer, deal with any of the lenders whose representatives have not been screened. You will have none of the safeguards that the law was specifically designed to give the consumer.
By Charles Dailey,  Sun May 30 2010, 19:29
It should be noted where this article claims that a broker's "true clients are the lenders," that this isn't necessarily the case. For instance, in MN, brokers owe their borrowers a limited form of agency and in CA, they owe their borrowers agency with fiduciary duty.
By Joshua Christensen,  Tue Sep 28 2010, 09:22
Four Questions you should ask your mortgage broker...Interesting choice of words. In my opinion, if you only have 4 questions to ask your broker, you're being set up for a bust. Yes, it is true, there is a lot of information on the internet these days about lending, mortgages, scams, over charges, etc. I'll ask you this, if you're going in with guns blazing asking questions focused on the interest rate and fees being charged (these are important). Are you really asking upfront for a professional to drop his income for you. Have you met before? Do you have any history with one another? This is, in most cases, the largest financial committment you'll make in your life. I would say that any lender who is willing to drop their fees and rates to "get the deal" is a desperate lender who doesn't neccesarily have the skill set to help you in a professional manner. Would you go looking for a Discount Doctor to help you with your heart surgery or would you want the best? Again, in my opinion, the reason so many families in America are facing difficult financial times is due to their lack of education around their financial matters and choosing to do business with individuals who lack the professionalism and knowledge to help them get the best value for what they are paying. The ones who are cutting costs are more prone to dishonest practice than those who are upfront about what they charge.

My advice is to find a broker you can trust and who has a strong track record in the community as someone with integrity.

Joshua Christensen, Branch Mgr | Southwest Funding - Integrity
http://www.southwestfunding.com/jchristensen
By Mortgage Marketing,  Fri Oct 29 2010, 15:12
The mortgage business has become more competitive with the introduction of the Internet. Fortunately, you can make use of the Internet to reach your customers as well.
http://mortgagemarketingcourse.com
By Mortgages By Mark,  Tue Dec 14 2010, 08:49
I don't agree that that the mortgage guy's "true clients are the lenders". Sure it's my job as a mortgage guy to package solid loans for the lender, but my first priority is to help my clients and represent their interests. If I don't offer good service and a quality product to my clients, I don't have any solid loans to package up for the lender.
By Not A Lender,  Tue Jan 25 2011, 11:42
I am always suspicious of someone's motives when they say things so plainly biased as "Their true clients are the lenders, and their real "job" is to deliver good, creditworthy borrowers like you." My immediate thought was who is backing Trulia and what have they to gain by jumping on the "mortgage brokers can not be trusted" scapegoating bandwagon? Though maybe the writer is just repeating what they have heard, like so many others. Having been in real estate sales for 14 years I can say that, while the level of personal integrity varies from person to person on the lending side of things no matter where they work, my experience has been that mortgage brokers running their own business with their own reputation on the line tend to care more about their clients, more about delivering quality service and caring about their clients long-term needs, than any bank employee. And as has been mentioned bank employees are exempt from the training and licensing requirements that mortgage brokers are required to acquire. And, again already mentioned, in my state of California, mortgage brokers have a fiduciary responsibility to their clients. Remember, those of you looking for loans or wondering how we got in this mess of an economy, it wasn't mortgage brokers who came up with the crazy loan products that were such a big part of how things got the way they are now.
By Voices Member,  Wed Jan 26 2011, 13:17
The clients are the Customers not the Lenders. My Lenders are to support and work for me and my Customers. Wow what a difference of opinion?
By Matthew Baker,  Fri Feb 4 2011, 08:04
I thin the article is also missing a few Questions that are must asked. In Today's landscape it is important to know how fast you can close, what is your process like and how long does it take to get Appraisals. The answers to those are you want to work with a Mortgage Banker that has tighter controls over the process to isure that closings are happening on time every time.
By Robert Lee,  Tue Mar 1 2011, 13:32
The Ready Bell Home Group has nailed the bullzeye! It truly doesnt matter how long you have been in the business. Ask What loan programs re you most familiar with? Is your stronpoint refis or purchases? Also especially in todays economic enviroment make sure they understand the ins and outs of complex loans and are keeping pace with the rapid changing guidelines.
By Home Buyer Help,  Tue Mar 8 2011, 19:33
Well now, it's been a while since I checked this thread. Although I'm no longer in the mortgage business, I still felt that working for a FDIC bank was much more regulated that working for the broker.

We had regular trainings that were mandatory to attend, especially with FHA, we were trained quite a bit on FHA loan products. At the time, we were hourly plus commission employees. So if we did not sell loans, we were out of a job.

I was laid off because of the mortgage meltdown which I personally feel was caused by greedy people who worked in brokerage offices. They were far more unregulated that bank employees.

I still say, there are good brokers out there, I just do not know where.

Jeff
By Brian Hook19,  Thu Mar 31 2011, 02:24
Thanks for showing up such fabulous information. I like this post, keep writing and give informative post...!
By Home Buyer Help,  Tue May 10 2011, 14:03
Many people do not realize that mortgage brokers are not regulated like the FDIC banks are.

Although mortgage brokers can get your loan shopped around, the direct lenders often times can do the same thing. If they do not have loan program that fits the needs of the borrower, they have other lenders they work with.

Cheers,

Jeff
By Bruce Peters,  Wed Aug 3 2011, 16:09
And so it goes... I am amazed at some of the anti-mortgage broker responses (and quite frankly at the article as well).

I'm a Mortgage Broker and I'm still in business. How? Client referrals.

When I began my career in the early 80's, I heard an expression used laughingly - quite alot - known as (Tongue-in-cheek) "The Golden Rule" which translates into "He who has the gold, makes the rules". I was working for a large corporation then (run by banker-types) and a disturbing and common trait amongst them was that they all considered themselves "entitled" to all that they demanded of the borrower, afterall, who needed who?

Enter the mortgage broker-mortgage banker and competition. It didn't take long before the banks figured that out and started to fight back. The truth is - a good broker only works for the client, much like a guide who leads the people in his charge through unfamiliar territory. The best brokers know this and realize that if banks become the only source of funds a client has - for the consumer: game over - soon it will be back to interest only loans with balloons (as in the 30's).

To believe that there are benelovent and caring types at the bank corporate level - who care about the borrower like a good mortgage broker would - is to be supremely naïve. I support better educated Mortgage Brokers, held to a higher standard and supported as opposed to fought by the big banks.

Perhaps in that I, too, am supremely naïve as well.
By Aram Arakelyan,  Tue Sep 20 2011, 22:28
Excellent debate.

Aram Arakelyan
Your LA Broker for Life!
http://www.housevaluecheck.com
Realty Needs Network

a
By Estrella,  Wed Nov 2 2011, 09:55
thanks for the wide variety of opinions.
as a first time home buyer who is clueless about the "old" market as well as the "new" market this debate was very informative....
thanks
By Corri Klebaum,  Mon Jan 2 2012, 15:11
This article is so outdated... I would love to see Trulia breath new life into some of these old how-to's.

The laws related to the GFE and TIL have changed. Also the passing of the SAFE act and the creation of the NMLS have eliminated most of the "bad apples" at least the ones who originate loans for a non-depository mortgage or broker.

There are "bankers" out there that can broker as well this provides the client with expanded loan program options.
By dream catcher,  Fri Mar 23 2012, 05:01
i AGREE......... VERY OLD INFO
By HouseHunting,  Sun Jun 3 2012, 06:29
Buying in Sept/Oct.... How will interest rates compare to summer?
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:23
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:24
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:24
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:24
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:27
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:27
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:27
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:27
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:27
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Mia9281val,  Sun Jun 17 2012, 22:28
I agree some of the info is old but still very helpful to a very curios first time homebuyer with nothing to loose by checking on the net for brookers opinon of each other honestly i found everything helpful and actully somethings that i could reasurch the great thing about reasurch is that at the end of the day i will be completly laon savy by the time im done so thankssss so much
By Kobe,  Sat Jul 6 2013, 01:04
Undoubtedly mortgage brokers play an important part if you are dealing with any of the mortgage just because of their skill and thorough knowledge about that field. But making a choice among the mortgage broker would be a quite difficult decision. So while putting an effort and searching a good broker online would surely going to be of great help and one should also consider that the broker is licensed. Besides broker you’ll also be requiring loan which can also be compared and searched online and if still confused then http://www.kwikpayday.co.uk can be a good assistance for any of your queries regarding loan.

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Homebuyers looking to finance the purchase of a home with a mortgage have no doubt run into the term, "points." Just what are points, what do they do and how can they help? Read on for more information. Discount points are fees/pre-paid interest paid to a ...

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