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The Key Life Of Mortgage Brokers
The Secret Life of Mortgage Brokers
You know that mortgage brokers are available in many flavors, that a number of them deserve unhealthy reputation dished out to them lately. You``re also smart enough to understand they serve a great function: most dependable mortgages that the bank cannot.
To better understand how lenders are useful to you, you should know how they operate and get paid.
Lenders in Action
When you are getting a mortgage out of your local bank, there may be just one player involved, the local bank. Banks that originate a mortgage and hold on to it are called portfolio lenders. A lot of high risk lenders, however, do not hold onto the loans they originate. They offer the loans for any profit. They might sell your loan to a different lender, directly, or they might market it to some wholesale buyer.
In other words, many banks behave exactly like mortgage brokers.
The process goes such as this:
You want to lenders to obtain a loan. The very first thing they are doing after they have your credit scores, down payment (equity) and also the amount you need to borrow is locate out if Fannie Mae (Freddie Mac) will buy the loan and under what circumstances.
It`s all regulated computerized. Your broker inputs your data in the system, the machine comes back with: you qualify or else you don`t qualify. Actually, it comes down back with numbers, percentages: how much you can borrow and just what interest rate you`ll get and how much the broker will make.
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