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Before You Close on a Real Estate Sale The thing you should keep in mind before you close on a real estate sale includes these subjects like don’t risk your mortgage, time to close, buyer’s remorse, notify services & utilities etc., Mortgage Broker vs. Mortgage Banker A mortgage broker charges dramatic fee for every service, but then he has access to wide variety of loan programs. He would also have knowledge of how to present your loan application to various lenders for approval. Some of mortgage bankers are brokers as well. As an investor it is always wise to have both mortgage broker and a mortgage banker on your side. You all need to remember that mortgage brokering is an unlicensed profession in many of the states.