If anybody is some what worried about their mortgage rate, whether they are paying too much, or are concerned about the general deal they are on please do not hesitate to ask for some advice.

Cavaro

How did you get to be an independant mortgage broker? What all is involved? Are you licensed or is there a certification process? It might help people to know what to look for if they ever need a mortgage and are approached by an independant.

I would think there would have to be a licensing process of some type.