I assume there are no mortgage brokers here or none of you who responded are experienced enough to talk on the subject.
Surprisingly, it seems that there is a high number of "unemployed?", or "older talkative type?" people on the forum based on the lengthy responses that have nothing to do with the subject.
I am fine with that and as I mentioned in the first line I am not sure if this is a group that can advise with such subject or not but it seems people don't read