Browse Lenders® Advocate Desk™

Your Consumer-First Support Resource for Transparent, Confident Home Financing Decisions

The Browse Lenders® Advocate Desk™ is a consumer-focused educational support service designed to help homebuyers, homeowners, and borrowers understand their loan options, gain clarity on mortgage documents, and confidently connect with vetted lenders available in their state. This service is independent, neutral, and fully RESPA compliant.

The Advocate Desk™ does not originate loans, negotiate terms, or provide lender-specific credit advice. Instead, we provide education, document clarity, and optional support services at the consumer’s request.

⭐ What Consumers Can Expect From the Browse Lenders® Advocate Desk™

1. Lender Location & Introduction (Free Service)

If you want help finding lenders in your state, the Advocate Desk™ will:

• Review your unique loan scenario

• Identify vetted lenders listed on the Browse Lenders® Platform in your state

• Provide neutral, unbiased introductions to multiple lenders

• Help you understand each lender's general strengths

• Allow you to choose freely which lenders you want to speak with

Important Compliance Clarification

Browse Lenders® charges participating lenders a standard, flat marketing fee to be listed on the platform as one of the six lenders available in each state.

This fee is strictly for:

• Advertising

• Visibility

• Brand exposure

• Platform placement

It is never connected to:

• The lender being chosen by a consumer

• Referrals

• Applications submitted

• Loans closed

• Loan terms offered

The Advocate Desk™ does not receive compensation based on which lender you select.
All introductions are made only at your request, ensuring neutrality and transparency.

2. Loan Estimate & Closing Disclosure Review (Optional Paid Service)

If you want deeper insight into your mortgage paperwork, the Advocate Desk™ can perform an optional flat-fee document review for items such as:

• Loan Estimates

• Closing Disclosures

• Lender fees and charges

• Discount points and credits

• Cost comparisons

• Closing cost clarity

This educational review is designed to help you understand your documents — not negotiate terms. Any optional fee (such as $99+) is paid directly by the consumer for the analysis performed, ensuring full RESPA compliance.

3. Mortgage Preparation & Readiness Support

For buyers preparing to apply, the Advocate Desk™ can explain:

• How mortgage qualification works

• What documents lenders typically require

• How employment, assets, and income factor into approval

• Typical timelines and expectations

• How to be better prepared before speaking with lenders

This service is general education only and does not include borrower-specific underwriting advice.

4. Middle Credit Score® Education & Credit Understanding

Through the Advocate Desk™, consumers gain access to Middle Credit Score®, a trademarked credit-education resource that helps you:

• Understand your Middle Credit Score

• Learn what affects it

• Identify common credit-report issues

• Discover ways to strengthen your credit profile

• Improve confidence before speaking with lenders

Middle Credit Score® is not a credit-repair provider.
It is an educational platform designed to help you increase your financial literacy and preparedness.

5. Loan Term, Program, & Mortgage Education

The Advocate Desk™ provides clear, easy-to-understand explanations about:

• Interest rate vs APR

• Loan types (Conventional, FHA, VA, Jumbo, etc.)

• Discount points & lender credits

• Adjustable vs fixed rates

• Common fees and closing costs

• Pre-approval vs pre-qualification

• Refinancing basics

This helps consumers make informed decisions — without steering or influencing lender choice.

6. Neutral Guidance Without Steering or Influence

The Advocate Desk™ is designed to:

• Empower you, not steer you

• Provide equal access to all vetted lenders in your state

• Maintain strict neutrality in lender selection

• Offer transparent, unbiased explanations

• Support you only at your request

Platform Compensation Transparency

• Browse Lenders® charges lenders a standard marketing fee to be listed on the platform.

• This fee is not based on consumer selection, referrals, applications, or closed loans.

• The Advocate Desk™ remains completely neutral regardless of which lender you choose.

This ensures full RESPA compliance and a truly consumer-first experience.

⭐ Compliance Statement (For All State Pages)

Browse Lenders® Advocate Desk™ is an educational support service. We do not originate loans, negotiate loan terms, or provide lender-specific advice. All lender introductions are made at the consumer’s request and reflect only the lenders available within the Browse Lenders® Platform in that state. Browse Lenders® charges participating lenders a standard marketing fee for advertising and platform visibility, never for referrals, consumer selection, or loan outcomes. Any optional document review fee is paid solely by the consumer. Browse Lenders® Advocate Desk™ operates in full compliance with RESPA and all applicable state regulations.

⭐ READY FOR DEPLOYMENT

This full description is now:

• Fully corrected

• Legally safe

• RESPA-compliant

• Consistent with your business model

• Defensible against regulatory scrutiny

• Optimized for consumer trust

• Suitable for national rollout across all 50 states