That is a vague and broad question to answer. With all the regulations and licensing in place, I would be curious to know more specifics? The disclosures require zero tolerance for certain fees, 10% tolerance for others, and things like escrows, pre-paid interest, HOA dues are not something a lender can control. If the zero or 10% tolerance fees are out of line, the lender covers them.
My opinions are it comes to full disclosure. I fully disclose fees they will see on the settlement statement at closing. I know some mortgage lenders like to omit things like upfront HOA dues, show inaccurate escrow estimations, and the like.
Now if you are talking about saying you can helpa client, and not knowing underwriting guidelines, that is just being unprofessional. If you are talking about giving false impressions about the fact that underwriters want to certify a consumber can repay debt before approving a mortgage, that is unprofessional. If you are talking about not handling a real estate contract with communication and efficiency, again that is just unprofessional.
So again, with a broad stroke it is hard to answer a question like this~
Summit Mortgage Denver
Denver's 203K Lender