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This might be a weird question but in the mortgage process, how do you know if you are dealing with someone “good?” I am a first time homebuyer and like all industries, I am sure there are people that are more competent than others… I wonder who really is responsible for getting the job done? the officer that you talk to on the phone? The underwriter that you never see or ???

If anyone has worked directly with a mortgage loan officer from HSBC or Wells Fargo, please email me? helpplsnycATgmail.com
(Please replace the AT with @)
Thanks!