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There are always good honest brokers who do not overcharge their customers or push them into lousy deals, but there are some who do. Telling one type from the other is a hard job. To make the choice easier for the borrower, the upfront broker concept was introduced originally by a number of individual brokers in their everyday work and later consolidated into The Upfront Mortgage Brokers Association (UMBA). The major difference of upfront brokers from conventional brokers is that they disclose the cost of their service to the customer upfront, the cost does not change later, AND they show their customers the real wholesale prices! The idea is that they offer you a choice of wholesale mortgage products in your pre-approved price range and you pick one yourself instead of being stuck with the product picked for you by a conventional broker as the result of his secret considerations. Wow! Or is it? Why is it that somehow it feels like there something that holds me back and I do not rejoice, as I probably should?