Part of the home buying process is finding a lender. Mortgage lending companies designate a loan consultant or loan officer to deal with a certain borrower. However, state laws differ in each American states and less than a third requires that all loan officers dealing with clients be licensed.

Dealing with Loan Officers
Most borrowers have not choice but to deal with loan officers who may not have sufficient training in mortgaging. A loan officer may also have just little experience or even totally no experience at all. Furthermore, a borrower does not have any guarantee that the loan officer has been cleared from any criminal background.

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