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How long is a typical mortgage term?

This is known as a mortgage term. The most common mortgage term in the U.S. is 30 years. A 30-year mortgage gives the borrower 30 years to pay back their loan. Most people with this type of mortgage won't keep the original loan for 30 years.

Can a California real estate broker originated loans?

DRE license brokers can arrange, originate, broker, and fund loans secured by real estate in California. It can also arrange the sale of loans to third parties and even act as a third-party loan servicer.

Can a real estate broker do loans in California?

\u25baReal Estate Broker License: In California, when someone obtains a California Real Estate Broker License they are automatically licensed to function as a Mortgage Broker. This means they can list and sell real estate, and also negotiate loans secured by real estate, whether first mortgages or subordinate mortgages.

How do mortgage brokers earn income?

Mortgage brokers can work independently or belong to a brokerage. They typically earn a commission of around 1%-2% of the loan value, which the borrower or the lender can pay.

Is a mortgage broker agreement required in Florida?

The new law repealed the requirement for mortgage brokers to provide a written and signed mortgage broker agreement prior to the payment of a loan origination fee.

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