Mortgage brokers have access to a wider variety of mortgage products than banks do, and can often find better rates and terms than borrowers would be able to on their own. Additionally, mortgage brokers can provide personalized service and help borrowers navigate the complex mortgage process.

Mortgage brokers are typically paid by the lenders they work with, rather than by borrowers. Lenders pay brokers a commission on the mortgage loans they originate.

The specific documents required will depend on the lender and the type of mortgage loan you are applying for, but generally you will need to provide proof of income, employment, and assets, as well as information about your credit history.

The length of the mortgage application process can vary depending on a variety of factors, including the lender, the type of mortgage loan, and the borrower's specific financial situation. In general, the process can take anywhere from a few weeks to several months.

Lenders consider a variety of factors when determining a borrower's eligibility for a mortgage, including credit score, income, employment history, debt-to-income ratio, and the amount of the down payment.

There are many different types of mortgage loans available, including fixed-rate mortgages, adjustable-rate mortgages. The best type of mortgage loan for you will depend on your specific financial situation and needs.

While having bad credit can make it more difficult to qualify for a mortgage loan, it is still possible to get a loan with a lower credit score. Some lenders offer subprime mortgages for borrowers with poor credit, but these loans often come with higher interest rates and fees.