I have a finance background, but I would assume it would be even more valuable to someone who specialized elsewhere and didn't learn a lot of the finance-specific basics in school (engineer, doctor, lawyer, etc.).

The right "experienced" team has already made all of the mistakes in the past and has a fine tuned process. 

I read and signed all contracts, included my Addendum stating I have the right to wholesale and forwarded a Proof of Funds letter received by a lender.Today, I received an answer from seller that there is another offer very close to mine and seller will like a final offer.

The lack of formality is probably just a Bay Area thing, informality and inclusiveness... we don't wear suits to job interviews (I'm a finance professional and own exactly 1 suit, where else but the Bay Area would that be acceptable?)

I’m in Oregon. I’m looking for a new mortgage broker. Lender/broker can be based anywhere but must work with lenders who do business in Oregon. My last mortgage broker, who I really liked, won’t return my calls sinc...

@Nathan G.I also agree with this I feel it is such a fine line

It's a fine line keeping it in my pocket.

It is being sold by a finance company.

Once there is a final commitment order the appraisal and environmental but keep the next one or two best lenders in the loop in case your first choice cannot close and make sure they accept appraisals from appraiser that is chosen.

I go over key things they need to know -- probably only partially retained -- and try to leave with a final word, e.g. this apartment lease is exactly like a car lease.