IS IT WORTH USING A MIDDLEMAN FOR HOME LOANS?

That’s been my experience too. My income looked like a Jackson Pollock painting one year and the broker somehow still got us through.

I hear you on the “buried in the fine print” part—my last closing statement looked like a CVS receipt. I’ll admit, though, when my freelance gigs made my taxes look like a crossword puzzle, the broker was worth every penny. But yeah, if your paychecks are straightforward and you’ve got good credit, it’s hard to justify those extra fees. Sometimes it feels like you’re just paying for someone to shuffle papers you could handle yourself.