Shopping for a mortgage

Key Players
Who are Originators, Retail Lenders, Mortgage Brokers, Wholesale Lenders,Investors, Servicers?
Mortgage Sources
Direct Lenders vs. Brokers
Can mortgage brokers save you money?
How do those rate locks work anyway?
Zero Point/Zero Fee Loans
Finally a free lunch or maybe not?
Getting the lowest rate
Locking interest rates

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