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(Time) — Most mortgage brokers sell themselves with a simple pitch: they shop around and get borrowers the best rate on the best loan. Given how many home buyers have ended up in foreclosure, it has gotten a lot harder to believe that brokers are solely looking out for buyers’ best interests. But back in 2006, when Juan and Josefina Rodriguez got a $620,000 mortgage through Schaefer Financial Services with a 10% interest rate, they believed they got a good deal.

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