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What Is a Mortgage Broker?

A mortgage broker is an individual or company that works as an intermediary between you and mortgage lender. Simply put, mortgage brokers do not control the borrowing guidelines, timeline or final loan approval but merely act as bridge between lender and lendee.


Brokers are licensed professionals who collect and help process your mortgage application and supporting documentation and advise you on items to address in your credit report and with your finances to boost your approval chances. Many mortgage brokers work for an independent mortgage company so they can source multiple lenders on your behalf, helping you find the best possible rate and deal. Mortgage brokers are typically paid by the lender after a loan closes; sometimes the borrower pays the broker’s commission up front at closing.

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