There is absolutely no difference between the middlemen (Loan officers). They all sell into the secondary loan market; and, as long as they are licensed, they are good to go. Although, they are exposed to a big risk by lending you such a large amount of money over such a long period.
You, as the borrower, have no risk if they are willing to give you the money. Title companies do all the checks and due diligence necessary to ensure that the money is legit.
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This question was initially answered in Quora by our co-founder and mortgage ninja Kevin. View in Quora