{"id":1195,"date":"2024-10-27T15:43:40","date_gmt":"2024-10-27T15:43:40","guid":{"rendered":"https:\/\/www.neuvel-trust.gr\/frequently-asked-questions\/"},"modified":"2025-05-26T13:12:12","modified_gmt":"2025-05-26T13:12:12","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.neuvel-trust.gr\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1195\" class=\"elementor elementor-1195 elementor-40\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-327bf5e e-flex e-con-boxed e-con e-parent\" data-id=\"327bf5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d84c1ac elementor-tabs-view-vertical elementor-widget elementor-widget-tabs\" data-id=\"d84c1ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2261\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-2261\" aria-expanded=\"false\">What is mortgage intermediation? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2262\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2262\" aria-expanded=\"false\">I have never worked with mortgage brokers before, how can you help me? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2263\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2263\" aria-expanded=\"false\">Which banks do you cooperate with?<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2264\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2264\" aria-expanded=\"false\">Why should I not consult a branch of the bank to take out a mortgage? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2265\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2265\" aria-expanded=\"false\"> Why do banks choose to work with you?<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2266\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2266\" aria-expanded=\"false\">Why do I need to insure my home and life in order to get a mortgage?<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2267\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2267\" aria-expanded=\"false\">My payroll account is in a different bank than the one I want to get a loan from. Do I need to transfer it?  <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2268\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2268\" aria-expanded=\"false\">Will I need a guarantor to get a loan? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2269\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2269\" aria-expanded=\"false\">What if the property I want to buy needs repairs or renovation? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-22610\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"10\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-22610\" aria-expanded=\"false\">I want to work with you, but I am not in Athens. Is there a possibility of cooperation? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-22611\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"11\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-22611\" aria-expanded=\"false\">Are my personal details safe? <\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-22612\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"12\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-22612\" aria-expanded=\"false\">I have other questions, how can I contact you? <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-2261\" aria-expanded=\"false\">What is mortgage intermediation? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2261\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2261\" tabindex=\"0\" hidden=\"false\"><p>Mortgage intermediation (brokerage) is a service provided by specialists, known as <strong>mortgage brokers<\/strong>, who act as <strong>intermediaries between the borrower<\/strong> (i.e., the person or business wishing to take out a mortgage) <strong>and the banks<\/strong> or other financial institutions that provide the loans. Their main role is to help customers find and secure the most suitable loan for their needs, taking into account factors such as income, expenses, and creditworthiness.<\/p>\n<p>The <strong>mortgage broker<\/strong> evaluates the customer\u2019s financial situation and <strong>suggests various loan options<\/strong>, comparing the terms, interest rates, and other features of the loans offered by different financial institutions. Then, he\/she helps the customer fill out the loan application and monitors the process until the loan is approved.<\/p>\n<p>Using a mortgage broker can be particularly beneficial to the borrower, as<strong> the broker<\/strong> has market knowledge and <strong>can negotiate better terms<\/strong> or suggest alternatives that might not be easily accessible without their mediation.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2262\" aria-expanded=\"false\">I have never worked with mortgage brokers before, how can you help me? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2262\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2262\" tabindex=\"0\" hidden=\"hidden\"><p><strong>Working with a mortgage broker<\/strong> can offer you <strong>many benefits<\/strong>, especially <strong>if you are looking<\/strong> <strong>for a mortgage<\/strong> for the first time. Here&#8217;s how they can help you: <\/p>\n<p>1. <strong>Assessment of your Financial Situation <\/strong> <\/p>\n<p>The broker will examine your financial situation, that is, your income, expenses, savings, and creditworthiness. Based on this information, they will help you determine how much you can afford to borrow and which options are most suitable for you.  <\/p>\n<p>2. <strong>Access to Multiple Loan Options <\/strong> <\/p>\n<p>A mediator (broker) has access to various banking institutions and other lenders. This means that they can offer you a wider range of loan products and terms than if you consulted a bank directly on your own.  <\/p>\n<p>3. <strong>Product Comparisons and Negotiations <\/strong> <\/p>\n<p>The mediator will compare the various available loans, taking into account interest rates, repayment terms, and other fees. Additionally, they can negotiate better terms on your behalf, using their knowledge and the relationships they have developed with lenders.  <\/p>\n<p>4. <strong>Application Process<\/strong> <\/p>\n<p>Applying for a home loan can be a complicated and time-consuming process. The mediator will guide you through each step of the process, helping you to collect the necessary documents and fill out the applications correctly.  <\/p>\n<p>5. <strong>Support and Guidance<\/strong> <\/p>\n<p>Throughout the entire process, the mediator will be by your side to answer your questions, explain the terms, and support you in whatever you need. <\/p>\n<p>6. <strong>Saving Time and Cost<\/strong> <\/p>\n<p>Searching for and comparing loans can be very time-consuming. The mediator does this work for you, saving you time and possibly reducing costs by finding the best possible terms.  <\/p>\n<p>Overall, working with a mortgage broker can simplify the process of finding and securing a loan, while <strong>ensuring that you receive the most advantageous option<\/strong> based on your needs and capabilities. <\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2263\" aria-expanded=\"false\">Which banks do you cooperate with?<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2263\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2263\" tabindex=\"0\" hidden=\"hidden\"><p><strong>Neuvel Trust<\/strong> is a certified partner and authorized intermediary of the leading banks in the country, offering you the most competitive interest rates on the market. At the same time, we provide you with <strong>continuous updates on the progress of your mortgage.<\/strong> We work with you to select the right financing bank, ensuring that your housing needs are fully met.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2264\" aria-expanded=\"false\">Why should I not consult a branch of the bank to take out a mortgage? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2264\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2264\" tabindex=\"0\" hidden=\"hidden\"><p>Going directly to a bank branch to secure a mortgage is a common option, but there are several reasons why <strong>working with a mortgage broker may be more beneficial:<\/strong> <\/p>\n<p>1. <strong>Access to Multiple Options<\/strong> <\/p>\n<p>When you consult a bank, you will only consider the products and offers that that specific bank has to offer. In contrast, a broker works with many banks and financial institutions, offering you a wider range of options that may better suit your needs.  <\/p>\n<p>2. <strong>Comparisons and Better Terms<\/strong> <\/p>\n<p>The intermediary (broker) can compare interest rates, terms, and conditions from different banks and negotiate on your behalf for better terms. This can save you money and secure more favorable lending conditions.  <\/p>\n<p>3. <strong>Saving Time<\/strong> <\/p>\n<p>The process of finding the right mortgage can be time-consuming. A broker does this work for you, researching the market and making the necessary comparisons, allowing you to focus on other aspects of the property market.  <\/p>\n<p>4. <strong>Personalized Advice<\/strong> <\/p>\n<p>The main objective of mediators is to understand your needs and goals, proposing solutions that best suit your personal financial situation. They guide you throughout the process, ensuring that you make the right decisions.  <\/p>\n<p>5. <strong>Personal Support<\/strong> <\/p>\n<p>Working with an intermediary (broker) means you have an expert by your side who will answer your questions and guide you through the various stages of the loan process. This can be invaluable, especially if it&#8217;s your first time dealing with a mortgage.  <\/p>\n<p>Overall, choosing to work with a mortgage broker can offer you more options, better terms, and significant savings in time and money, while providing you with the necessary guidance to s<strong>elect the most suitable loan for your needs.<\/strong> <\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2265\" aria-expanded=\"false\"> Why do banks choose to work with you?<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2265\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2265\" tabindex=\"0\" hidden=\"hidden\"><p>Banks choose to work with <strong>mortgage brokers<\/strong> for several important reasons:<\/p>\n<p>1. <strong>Broader Market Penetration <\/strong> <\/p>\n<p>Intermediaries have access to a large network of customers, many of whom might not have approached a bank directly. This allows banks to reach more borrowers, increasing their market share.  <\/p>\n<p>2. <strong>Effective Customer Management <\/strong> <\/p>\n<p>Intermediaries undertake the initial contact and process management with customers, filtering requests and providing only appropriate and fully documented requests to banks. This reduces the workload for bank branches and improves efficiency.  <\/p>\n<p>3. <strong>Reducing Customer Acquisition Costs <\/strong> <\/p>\n<p>Working with intermediaries can be a cost-effective solution for banks, as they do not need to invest as much in advertising campaigns or sales staff to attract customers. Intermediaries bring customers directly to the bank, ready to apply for a loan.  <\/p>\n<p>4. <strong>Guidance and Support by Specialists<\/strong> <\/p>\n<p>Intermediaries are specialists in the mortgage market and understand the needs of customers. Working with them allows banks to provide more specialized solutions and better serve their customers, improving the borrower&#8217;s experience.  <\/p>\n<p>5.<strong> Flexibility in Offers and Terms <\/strong> <\/p>\n<p>Through intermediaries, banks can adjust their loan offers and terms to better meet market conditions. Intermediaries, knowing the needs of customers, can help banks design products that are more competitive and attractive.  <\/p>\n<p>6. <strong>Long-Term Partnerships<\/strong> <\/p>\n<p>Intermediaries seek long-term partnerships with banks, which means they have a vested interest in providing quality services to both customers and banks. This mutually beneficial relationship strengthens trust and cooperation in the long term.  <\/p>\n<p>7. <strong>Increasing Competitiveness<\/strong> <\/p>\n<p>With the help of intermediaries (brokers), banks can better compete in the market by offering products and services that suit the needs of customers and stand out from the competition. <\/p>\n<p>Overall, <strong>working with intermediaries helps banks to expand their market presence<\/strong>, improve their efficiency, and offer better services to their customers. <\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2266\" aria-expanded=\"false\">Why do I need to insure my home and life in order to get a mortgage?<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2266\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2266\" tabindex=\"0\" hidden=\"hidden\"><p>Home and life insurance when taking out a mortgage is often necessary for a number of reasons, both for the bank and for you: <\/p>\n<p>1. <strong>Protecting your Investment <\/strong> <\/p>\n<p>The property you purchase with your mortgage is a significant investment. Home insurance protects this investment against risks such as fire, natural disasters, theft, or other damage. If something unforeseen happens, insurance will cover the repairs or replacement of the property, ensuring that your investment is not lost.   <\/p>\n<p>2. <strong>Protection of the Lender<\/strong> <\/p>\n<p>The bank, as the lender, has a legitimate interest in ensuring that the property financed through the loan is protected. In the event of damage or destruction of the property, the bank risks losing the value of its collateral. Home insurance ensures that the property will remain in good condition or be restored, thus protecting the bank as well.   <\/p>\n<p>3. <strong>Protecting your Family <\/strong> <\/p>\n<p>Life insurance is important to ensure that in case of misfortune, such as death or serious illness, your family will not be burdened with the mortgage debt. Life insurance can cover the balance of the loan, ensuring that your family will not lose their home if you are unable to service the loan.  <\/p>\n<p>4. <strong>Loan Requirements<\/strong> <\/p>\n<p>In most cases, banks require home insurance as a condition for approving the housing loan. Some banks may also ask for life insurance, especially if the loan is large. <\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2267\" aria-expanded=\"false\">My payroll account is in a different bank than the one I want to get a loan from. Do I need to transfer it?  <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2267\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2267\" tabindex=\"0\" hidden=\"hidden\"><p>No, transferring your payroll to another bank is not a prerequisite for your financing.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2268\" aria-expanded=\"false\">Will I need a guarantor to get a loan? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2268\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2268\" tabindex=\"0\" hidden=\"hidden\"><p>There are cases where the presence of a guarantor <strong>may be necessary<\/strong> for the approval of a loan. For example, if your income is sufficient to cover a certain amount of financing, but you need a larger amount to meet your needs, the involvement of a guarantor may be recommended. A guarantor can help you secure the amount you desire. If the contribution of a guarantor is deemed necessary, Neuvel Trust will inform you immediately and guide you through this process.   <\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2269\" aria-expanded=\"false\">What if the property I want to buy needs repairs or renovation? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2269\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2269\" tabindex=\"0\" hidden=\"hidden\"><p>You can proceed with repairs to the property you own, with the help of an improvement loan!<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"10\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-22610\" aria-expanded=\"false\">I want to work with you, but I am not in Athens. Is there a possibility of cooperation? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-22610\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22610\" tabindex=\"0\" hidden=\"hidden\"><p>Of course. Our company undertakes the service of its customers from all over Greece, as well as abroad, without any financial burden whatsoever. <\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"11\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-22611\" aria-expanded=\"false\">Are my personal details safe? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-22611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22611\" tabindex=\"0\" hidden=\"hidden\"><p>Our cooperation with credit institutions is based on the strict protection of banking secrecy and of the contracts we have signed. Our policy follows the <strong>General Data Protection Regulation<\/strong> (GDPR \u2013 2016\/679), as established by the European Union and effective from the 25th of May 2018.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"12\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-22612\" aria-expanded=\"false\">I have other questions, how can I contact you? <\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-22612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22612\" tabindex=\"0\" hidden=\"hidden\"><p>For any questions, please contact us at email:<a href=\"mailto:info@neuvel-trust.gr\"> info@neuvel-trust.gr<\/a>, or by calling us on <a href=\"tel:+302108089608\">210 8089608<\/a>,\u00a0<a href=\"tel:6934098146\">6934098146<\/a> &amp; <a href=\"tel:+306945932142\">6945 932142.<\/a><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is mortgage intermediation? I have never worked with mortgage brokers before, how can you help me? Which banks do you cooperate with? Why should I not consult a branch of the bank to take out a mortgage? Why do banks choose to work with you? Why do I need to insure my home and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1093,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1195","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frequently Asked Questions | Neuvel Trust<\/title>\n<meta name=\"description\" content=\"Frequently asked questions for mortgage brokers. 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