For many brokers, the goal could be to focus on sales and to not worry about whether lenders will eliminate more products. For others, the goal could be to adjust their businesses to cope with the increasing regulations that appear focused most aggressively on wholesale originators.

In evaluating their futures, some brokers might decide to keep their businesses essentially unchanged, while others choose to become independent mortgage bankers instead. A third option is to align as a branch of a support organization.

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