||Represents borrower by packaging loan to highlight strengths and minimize weaknesses
||Represents the lender
||Offers a wide range of programs with the most competitive adjustable and fixed rate loans
||Offers a limited number of programs
||A "problem loan" can be quickly moved from one lender to another
||If a loan is denied, the whole process must start over
||Many loan officers work evenings and weekends and make house calls
||Many work banker's hours, at the bank
|| Familiar with many lenders and loan programs and are licened by the Department of Real Estate
||Familiar with a limited number of programs and are not required to be licensed
|| Generally paid only on commission and therefore motivated to close loans
||Generally paid a base slary plus lower commission
|Can offer numerous rates and fee combinations, as well as offering similar processing fees
||Offers limited rate and fee combinations, but may have lower appraisal fees
We collect nonpublic personal information
about you from the following sources:
- Information we receive from you on applications and other forms.
- Information about your transactions with our affiliates, others or us.
- Information we receive from a consumer-reporting agency.
We do not disclose any nonpublic personal information
about our customers or former customers to anyone, except as permitted
We restrict access to nonpublic personal
information about you to those employees who need to know that information
to provide products or services to you. We maintain physical, electronic
and procedural safeguards that comply with federal regulations to guard
your nonpublic personal information.