31.   For almost a year, Holthausen scraped by on severance pay, on meager commissions earned as a freelance mortgage broker and on unemployment insurance.

32.   For example, a small mortgage broker could advertise mortgage rates on the Web, accept online applications and communicate with customers by e-mail.

33.   For example, some loans never go through a mortgage broker.

34.   GeoVera sells through mortgage brokers and independent agents.

35.   He attributes much of that drive to be different to his father, a mortgage broker.

36.   Have a mortgage broker write out the cost of buying your home with various percentages down.

37.   He was knowledgeable enough to do without the guidance provided by mortgage brokers, who stand to lose business to this probably less-expensive electronic middleman.

38.   Heavy refinancings also are good news for mortgage brokers, whose business it is to arrange these transactions.

39.   Homeowners began suing in recent years as mortgage brokers became more prevalent.

40.   However, other federal officials said they will look more closely at whether mortgage bankers, mortgage brokers and consumer finance companies are practicing lending discrimination.