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Many borrowers assume all home loans work the same way, but a mortgage broker plays an important role in helping individuals understand the differences between loan programs. By reviewing factors such as income structure, credit profile, and long-term financial goals, a broker can explain how purchase loans, refinance mortgage options, and government-backed programs may affect monthly payments and overall affordability. This guidance helps borrowers make informed decisions based on their financial situation rather than relying on a single lending option.