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Being either a company or corporation, a mortgage banker loans out its own funds to borrowers as well as bringing the borrowers and lenders together. The purpose of a mortgage banker is to sell the primary loan to an investor whilst continuing the service of the loan if at all possible. Though it is known for mortgage bankers to sell the loans to secondary markets, this is not something that happens regularly.

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With the intention of receiving corporate services and rates, borrowers tend to go directly to the mortgage bank. Though the one benefit that the borrower can be assured of is that the mortgage banker is most likely to offer an attractive loan prospectus and rates as providing mortgage loans are their primary concern. They cannot afford to let prospect customers

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