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2. Mortgage brokers: What they are and how they can help - AOL

   www.aol.com/finance/mortgage-brokers-help...

   A mortgage broker can save you time: Brokers do all the research on rates and fees. They negotiate for you, file the paperwork and keep the application process on track.

3. Who pays closing costs, the buyer or the seller? - AOL

   www.aol.com/finance/pays-closing-costs-buyer...

   Typical closing costs for buyers can include: Lender fees: A mortgage lender will ... you can take to reduce the total amount you’ll pay. Buyers can ask for seller concessions, negotiating for ...

4. The best home loan: how to shop for and compare ... - AOL

   www.aol.com/finance/best-home-loan-shop-compare...

   A mortgage broker is actually not a lender. Instead, they act as your representative, seeking out loans for you. Brokers work with an array of lenders and as a result, are often able to offer the ...

5. Home buyers to be spared broker commissions up to 6% ... - AOL

   www.aol.com/news/home-buyers-spared-automatic...

   A landmark agreement would eliminate real estate brokers' automatic commissions of up to 6%, ... Instead, home buyers and sellers would be able to negotiate fees with their agents upfront. If the ...

6. Wholesale mortgage lenders - Wikipedia

   en.wikipedia.org/wiki/Wholesale_mortgage_lenders

   The mortgage broker originates the loan; however, the funding of the loan as well as the decision on the creditworthiness of the loan is handled by the wholesale lender. [2] The name of the wholesale lender typically appears on the loan documents, while the broker acts as an agent for the lender and collects a fee. [3]

7. How to choose a mortgage lender: 6 tips - AOL

   www.aol.com/finance/choose-mortgage-lender-6...

   You can negotiate some of these expenses, but know that lenders don’t determine the fees for third-party services — just their own. The estimate should indicate which features are negotiable.

8. Paid outside closing - Wikipedia

   en.wikipedia.org/wiki/Paid_outside_closing

   Paid outside closing (POC) is the fees or payments rendered outside normal title insurance and underwriting fees due at the time of closing a loan. When acquiring a mortgage or refinancing, a lender or broker may show that an appraisal fee is POC because the fee is usually due at the time of service, prior to closing.

9. How many mortgage lenders should I apply to? - AOL

   www.aol.com/finance/many-mortgage-lenders-apply...

   For example, you might find two line items on your loan estimate that cover the same thing, such as an “origination” and a “broker” fee. If you spot this, ask for clarification. If you ...