This was the WORST experience ever!! Avoid this business at all costs! My broker made me close a line of credit, that he just assumed was joint, to then turn around and make me open a new one at 2% higher!!! Communication was non existent, and the errors he made, cost me in the long run, even the bank people couldn't understand what he was doing. Buying a house is stressful enough, so save yourself the hassle and headache and just deal with the bank yourself, never give these people control!