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This is nothing more than a form of advertising.
define 'ethical' ?
I just lost 4 deals last week because i put down the REAL charges on the GFEs, and other bastards put down basically they are doing it for free.
If you mean ethical as in no option arms or stated w2 / fixed income, -of course . I have never done an option arm .
If you mean 'ethical' as give them a loan for 'excessive fees' -then define that.
Its 'ethical' to charge a borrower 6% as a real estate agent? How about the huge profit gouge 'title insurance' ?
Did you know, the banking and real estate community has RESOUNDLY gathered around together and are going to blame US soley for any and all fall out from the refi over- boom?
Nobody ever ONCE questions this absurd 6% real estate fees. Its not even remotely possible to think nobody thought of this before. Its all about who has the deepest pockets, -ie National ass of Realtors, BANKS , Credit unions , and wholesale lenders. They have the lobbying power. Our NAMB is lame ass bush league in comparison.
We are the scapegoat, and no 'ethical broker smokescreen ' is going to save us. Stick to the 'ethical ' bs on your advertising mailer.
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