on a 100K loan @ 3% brokers earns $3000.00 Why then do you put a credit of say $1500.00 as I have seen on some GFE's. What is the idea of this? What is the purpose. I am puzzled why a Broker then gives back $1500.00. What am I missing from this puzzle. In the old days your charged $1500 from borrower and say $1500 from lender and made $3000.00. But Today we have to give back the $1500 ? Why?