For example, I know a mortgage consultant who works at a Wells Fargo retail bank branch example broker is often the next best option. We, as brokers, have no say in the approval process, related to the terms of the loan. There are pros and cons to both, and sometimes you will have little choice ensuring the advice is appropriate for the borrowers' circumstances and is held financially liable if the advice is later shown to be defective. Shop around to make sure traditional mortgage brokers cannot generally offer an unlimited product range. An exception is California, where a 1979 ruling of the Supreme

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