Since you work on the broker side, does that mean you're just a middleman referring my transaction?
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No. I originate the loan, take your application, structure the file, order the appraisal, work the conditions, and stay on it through closing. What's different from a bank is where the money comes from at the end. The wholesale lender funds it, but the file work is mine start to finish. The reason brokers exist is that no single lender's guidelines fit every borrower, so having 280+ options means a file that gets declined at one place often closes somewhere else without starting over.