You first need to ask why a loan becomes problematic in the first place. The answer to this could be a tricky one. Borrowers and loan officers both blame the lenders, brokers, processors, underwriters, appraisers and anyone that may touch the loan.

In other words, it’s the biggest chain of the blame game in any transaction. Yes, we know the process is broken, likely beyond repair. Companies like SoFi are the closest answer to a peer to peer process that can fix this chain but we are still a long ways away from a good solution for the mass market.

Bottom line is, online, brick and mortar or your cousin’s best friend’s broker is all the same when it comes to the process. The process is not good and problems are bound to happen regardless of how great your loan is.

Pricing is another matter and that is something that is being addressed by us so even if you get a crappy process, you are at least not overpaying.

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This question was initially answered in Quora by our co-founder and mortgage ninja Kevin. View in Quora