You could pay less, or you could pay more. The wholesale prices that lenders quote to brokers are lower than the retail prices lenders quote to borrowers because of the work that brokers do for them that lenders would otherwise have to do themselves. In addition to getting a wholesale price, borrowers benefit from the brokers' superior ability to shop the market. If the wholesale-retail price spread plus the savings from better shopping exceed the broker's fee, you pay less dealing with a broker.
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Legal strategies that credit bureaus, creditors and debt collectors do not want you to know! How to use consumer credit protection laws, without hiring a lawyer, and without going to court! At some point in your life, either you, or someone you know will need this information.