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Many on this board have repeatedly stated that mortgages are a commodity, you're buying money. Price is the only criteria in making a selection of where to buy. I agree that purchasing mortgage money is a commodity. Yet I've continued to state that the experience of the buyer of that money; from first consultation and review of loan options, to processing and delivery, to loan closing and funding, and concluding with the ongoing servicing of that commodity (literally for years) is a value added service. Hence, obtaining a mortgage is not really buying a commodity.

I wish I could recc this post several times. Alas, I have only one recc to give to this astute commentary.
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