Among the countless problems that contributed for the housing industry implosion of 2007-2010 was that of unsubstantiated income claims on mortgage applications. Although even living in a cave in Afghanistan you'll still know that the economy sucks! So over the last few years, individuals have lost a lot of money and assets and ran their credit into the ground. The potential good thing about going direct is, of course, the borrower can avoid paying the broker a commission. A mortgage refinance can conserve you a substantial amount of money.