7 or 8 years ago these Morgage Brokers were doing the same thing they are doing today and managed to take a number of ordinary individuals and make them millionaires in a very short period of time. They were many peoples angels. There job is to sell product. They are doing the same thing today. The resiult might be difference but there job is the smae. They compete on rates, points, and payments. I don;t see them as being scoundrels or con men. There role is to sell product. The market will ultimately dictate whether or not the products make sense in the end. Brokers are simpley a part of the transaction.