I don’t work in the industry but your opinion is pretty short sighted. Yeah if you don’t ahve any welth and you are going for a 30 year fixed there isn’t much need. Put some scratch together, start getting income properties, inherit some real estate that you are looking to cash out and all of a sudden a good broker goes a long way. I would say that hold true for a stock broker, insurance broker, CPA’s etc.
When yoiu don’t have much you don’t have the same need.