First ask if they do lender paid comp or borrower paid comp(are they being paid by them or you) If it's lender paid then the broker and the lender have already

First ask if they do lender paid comp or borrower paid comp(are they being paid by them or you) If it's lender paid then the broker and the lender have already decided how much the broker is getting paid. If borrower paid then you and the broker set up a contract to determine the pay. The brokers get paid over the whole sale rate which is way lower than if you went to the lender directly. your rate can vary until you lock the loan, but the loan lock costs points(money). there's all kind of other bumps in rate for all kinds of other things. If your going through an actual lender you can't really tell how much the loan officer is making. Here's an article on the window for shipping for a mortgage: https://www.mortgagematchmakers.com/what-is-the-mortgage-credit-check-window https://www.mortgagematchmakers.com/what-is-the-mortgage-cre... In lender comp Lender Credits is the line item that shows how much the broker is getting paid by the lender.(it shows as a negative number, but it's actually amount of money the lender is pay the broker to give you a loan with a higher rate) https://msiloans.biz/Seller%20Guide/RESPA/Understanding%20the%20LE.pdf https://msiloans.biz/Seller%20Guide/RESPA/Understanding%20th...