Questions to ask a real estate mortgage broker:

1. What types of mortgage loans do you offer?
2. What is the current interest rate for each type of loan?
3. What are the requirements for qualifying for a mortgage loan?
4. How much of a down payment is required for each type of loan?
5. What are the closing costs associated with getting a mortgage loan?
6. How long does the mortgage approval process typically take?
7. Can you explain the difference between fixed-rate and adjustable-rate mortgages?
8. Are there any special programs or incentives available for first-time homebuyers?
9. What is your experience working with clients in similar financial situations to mine?
10. Can you provide references from past clients who have worked with you?

General Questions:

- What are your qualifications and experience in the mortgage industry?
- How long have you been working as a mortgage broker?
- What types of mortgage products do you specialize in?
- What is your process for helping clients find the best mortgage?
- What are your fees and how are they determined?

Loan-Specific Questions:

- What are the current interest rates and loan terms available for my situation?
- Can you provide me with a pre-approval letter?
- What are the different types of mortgage loans and which one is right for me?
- What are the closing costs associated with the loan?
- What is the estimated monthly payment for the loan?

Personal Credit and Financial Situation:

- What are the minimum credit score requirements?
- How will my credit history impact my loan options?
- What income and debt-to-income ratio do I need to qualify?
- What documentation do you need to verify my income and assets?
- Can you help me improve my credit score?

Property-Specific Questions:

- What types of properties qualify for the loan?
- What are the maximum loan amounts available?
- Can you provide a property appraisal or recommend a reputable appraiser?
- What are the potential risks and challenges associated with the property?
- How will the property's location affect the loan terms?

Closing and Settlement Process:

- What steps are involved in the closing process?
- Who will represent me at the closing?
- What closing costs are typically paid by the buyer?
- What is the estimated time frame for closing the loan?
- What happens if there are any issues or delays in the closing process?

Additional Questions:

- Are there any government programs or incentives available to assist me with my mortgage?
- Can you recommend other professionals, such as attorneys or home inspectors?
- How do you stay up to date on changes in the mortgage industry?
- What is your preferred method of communication?
- Do you offer any special services or guarantees?