When searching for a mortgage for the purchase of a house one can become overwhelmed by the amount of options and lender types on the market. Selecting a broker or lender can be complicated.
You could respond to solicitation but this can give mixed results. Most solicitations offer unbelievable rates with no regards to your credit score. This is the best possible method to be scammed. Upfront Mortgage Brokers (UMBs) will shop the complicated mortgage market for you.