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                                tional material, including business cards and
                                websites.  If you don’t see it, ask for it.

          Confidence            A confident mortgage broker does not use
                                words such as: “I will see,” “Maybe,” “prob-
                                ably,”  “Chances  are.”    They  instead  use
                                words  like:  “I  will,”  “I  know  that…,”  “Cer-
                                tainly,” “I’m absolutely sure,” “I’m positive
                                that…,” I have no doubt that…,” and “You
                                will.”  This level of confidence comes from
                                their knowledge of the business they are in,
                                and  the  experiences  they  have  had.    This
                                confidence will tell you that they know their
                                business and that you are in good hands.


          Experienced           An experienced broker has seen many sce-
                                narios from working with different types of
                                cases  over  their  lifetime  in  the  business.
                                This experience will allow them to deal with
                                your  unique  situation  confidently,  if  you
                                have one.

          Knowledgeable         Knowledge does not only come from what
                                your broker learnt about rules, regulations,
                                and solutions in books.  Your broker should
                                be  knowledgeable  about  the  industry,  in-
                                cluding both historical and expectations.  As
                                a result, they can apply the best solutions to
                                your case and get you the best deal ever.


          Transparent           A good broker will not hide important infor-
                                mation from you.  They lay everything on
                                the table so you can understand how they
                                arrive at your solution.  They don’t wait for


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