If you choose to use one, disclosed dual-agency would take effect and without going into it in depth here, essentially YOUR best interests still would not be represented.

Hopefully, you are working through your own buyer's agent and not working with the seller's agent in a dual agency role.  

It may be best to go local bank on one deal while take Agency financing on another.  

Check out Kenny Badmus:Badmus Insurance Agency, LLC2945 Main Street Suite 2BStratford, CT 06614

Clear Title and Escrow in Front Royal would be a settlement agency not too far off.  

None of the government agencies talk to each other and therefore information is hard to come by. 

The Washington State legislature passed the Omnibus Civil Rights Act in 1957, outlawing housing discrimination in home sales while loans from a federal or state agency remained unpaid or while there was commitment for such loans.

You can send them to a credit agency to fix their credit.  

For example, wrap lenders take advantage of de minimus exceptions to avoid agency regulation and a current disclosure requirement is often ignored because it lacks teeth.

I run a PPC agency (we manage both Adwords and Facebook ads, among others), so my advice when going to upwork for this service is not to find the cheapest person.