With mortgage markets becoming more and more competitive with every changing day, the role of a broker has also become extremely popular. In some of the most developed mortgage markets, mortgage brokers are the major suppliers of mortgage products for the lenders.

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As the economy slowly improves, banks have been increasingly lending to an unexpected demographic:  former homeowners who previously defaulted on their mortgages. Many of the borrowers receiving such credit offers had defaulted on their mortgages but were otherwise current on their credit card payments and other loans. Nonprofit debt management firms, such as A New Horizon Credit Counseling Services, have noted that many of their clients have been offered new credit cards after defaulting on their mortgages within the past few years. There is a catch, though.

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