retail lender is kinda broker

You have to understand unless you do loans with Fannie or Freddie directly, otherwise whoever you get loan thru are considered as "broker" however they call themselves(whether wholesale broker or retail banks).

Retail agents work for commission only and they are "middle man" as well. The bank who you pay mortgage to does not own your loan, most of the time, they are "servicer".

If you are so concern and the other agent guarantee you that they won't go after you for the fees for refi last than 6months, why don't you ask him/her provide a signed letter with company letterhead? In case, previous broker gets fined and go after you, you can call the retail agent...

所有跟帖： 

• I have the retailer's email, is that enough? -中间选民- ♂ (496 bytes) () 03/08/2012 postreply 10:15:34

• 回复：I have the retailer's email, is that enough? -casabella- ♀ (383 bytes) () 03/08/2012 postreply 12:45:44

• I got the similar situation -螺丝螺帽- ♀ (451 bytes) () 03/08/2012 postreply 14:09:19

• True. If you ask them to provide some guarantee in writing, -中间选民- ♂ (327 bytes) () 03/09/2012 postreply 10:35:14