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@peepers wrote:
Also......when you use a broker vs working directly with a bank yourself......does using a broker incur another fee? Considering the parties involved, commission to agent, closing costs to bank. then would a broker be another party that a fee would be due?
no. brokers do not add to the fees.
the broker gets a discount on the rate when they sell to the bank in the wholesale market
actually brokers/bankers are usually a little cheaper than the big banks