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fri posted: Fri 2019-01-11 05:20:51 tags: n/a
a mortgage industry insider explains what a mortgage broker does
Investopedia: up and downsides of mortage brokers
tl;dr - mortgage brokers shop your borrower credentials to lenders they have relationships with. Not all lenders are approved to throw borrower apps at every lender. The advantages of a broker are they can submit apps to a number of lenders, much faster than an inexperienced borrower; they may access lenders who only work with brokers, not retail borrowers; and they have experience identifying details that can improve or kill chances of an application's acceptance. The downside is some lenders don't work with brokers at all, and brokers don't necessarily fully represent the fiduciary interest of the borrower - their main goal is to maximize their fees, after all.

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Took the bait on one of Katie's hermeneutics professor's hateful fb posts again last night, and it went about as well as it usually does with vain, judgmental bullies. Hermeneutics, incidentally, is the study of interpretation. Interpretation is a dangerous tool; in the antebellum South, scripture was frequently trotted out to justify slavery. Interpretations get to be "traditional" when they tend to glorify the dominant tribe, preserve a status quo, and justify abuse of out-groups. God cannot BE love if He really put words of bullying and senseless malice in the mouths of His prophets. Either that god is one of hate, and therefore unworthy of worship, or those prophets claimed divine inspiration in vain. So if we want to reconcile the central teaching that God IS love, and worthy of worship, then we have to explain why the "clobber passages" must be read in ways that defy LGBT-bashing tradition. Either there are nuances and logical escapes that pro-clobber interpreters deny or are simply unaware of; or else the prophets did indeed write pretty much what the pro-clobber interpreters say they did, but those prophets got God wrong.

I would rather cease to exist, to die in spirit as well as in the flesh, than spend eternity singing kumbayahs to glorify a sadistic bully. It will be seen whether smug clients of the patriarchal establishment would rather die in spirit than spend eternity rubbing shoulders with LGBTs of sincere faith.

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