61.   Mortgage brokers have also gained an excellent reputation for helping marginal borrowers who cannot negotiate a loan on their own.

62.   Mortgage brokers say that it is not unusual for homeowners to have refinanced more than once this year alone.

63.   Mortgage brokers collect fees in similar ways.

64.   Neil Bader, chief executive of IPI Skyscraper Mortgage Co., a Manhattan mortgage broker, agreed.

65.   Now, increasingly, they rely on mortgage brokers to provide clients, so the broker selects the appraiser.

66.   Once registered, mortgage brokers will be required to list their license number in advertisements.

67.   Ramos, the mortgage broker, said the fuse box problem was easy to miss because it still worked.

68.   Several mortgage brokers and board executives said buildings were now looking more at a line of credit for eventual repairs.

69.   Small mortgage brokers, hurt by the drought in the refinancing market, account for some of the losses, Gibson said.

70.   So it should not cost a borrower more to use a mortgage broker than to go directly to a bank, another reason for their rising popularity.