[quote=UCGal] Obviously you can make more commissions if more people qualify [/quote]

UCG…
For the record, I don’t get a commission for what I do. I charge a fee for my service and offer wholesale rates. There’s a HUGE difference.
I don’t get a penny from the lender unless the borrower decides they want a higher rate and higher monthly payment for the life of the loan instead of paying a fee.

This week, the national average rates are about 5.50%… I have 5.00% rate that comes with a fee.
At 5.50% I could get a commission but it’s not in the borrower’s best interest if they plan on staying in the loan for a few years..

People falling for no cost loans at higher rates will result in thousands of dollars of wasted money over time, through foolishness.
It’s a decision that most people never get to make.