Mortgages are offered or promoted by various kinds of lenders. Your loan can be obtained from mortgage brokers, banks, credit unions and mortgage bankers, where generally, the lender gets an origination fee or brokers fee when dealing with mortgage brokers.
The lender then is the one that provides you, the borrower with the money at the closing table, whereby the lender obtains a note or written contract as evidence of your debt and your obligation to commitment and responsibility to repay,
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