# Mortgage Broker

> Mortgage Broker turns borrower intent into a documented, priced loan file

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:origination:mortgage-broker` |
| Family | Mortgage Origination |
| Domain | Technology |
| Era | Institutional Age → Agentic Age |
| Kind | financial-instrument |
| Archetype | The Promise |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Mortgage Broker is a financial instrument in the Mortgage Origination family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Mortgage Broker turns borrower intent into a documented, priced loan file.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access to capital, yield, liquidity, risk allocation
- **Inputs:** capital, terms, collateral or cash flow, counterparties, risk assumptions
- **Outputs:** funding, cash-flow claims, obligations, risk allocation
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Mortgage Broker turns borrower intent into a documented, priced loan file
- **Gift:** Clarity about mortgage broker makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When mortgage broker is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when mortgage broker is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where mortgage broker appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Mortgage Broker reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Mortgage Broker changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Mortgage Broker changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Mortgage Broker can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Promise enters the reading through Mortgage Broker. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What future is being pledged through Mortgage Broker, and who receives protection if conditions change?

**Guidance:** Separate access from cost, payment from principal, and temporary liquidity from permanent viability.

## Game function

Moves Capital now and creates a future Claim with explicit priority and failure consequences. Initiative 3.

## Relationships

- **Seller Financing externalizes to Mortgage Broker.** Seller Financing externalizes to Mortgage Broker through a change in rights, information, cash flow, priority, timing, or physical use.
- **Loan Officer is administered through Mortgage Broker.** Loan Officer is administered through Mortgage Broker through a change in rights, information, cash flow, priority, timing, or physical use.
- **Mortgage Broker depends on Processor.** Mortgage Broker depends on Processor through a change in rights, information, cash flow, priority, timing, or physical use.
- **Mortgage Broker amplifies Gift Funds.** Mortgage Broker amplifies Gift Funds through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Mortgage Broker through the lineage of Mortgage Origination: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Mortgage Broker: a luminous claim-line descending from a built form into layered earth and extending across a long brass timeline; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Mortgage Resources](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/) — Consumer Financial Protection Bureau; origination, disclosures, appraisal, servicing, mortgage regulation.
- [Fannie Mae Selling Guide](https://singlefamily.fanniemae.com/media/document/pdf/selling-guide-february-4-2026) — Fannie Mae; loan eligibility, underwriting, appraisal, delivery.
- [MISMO Standards & Resources](https://www.mismo.org/standards-resources) — Mortgage Industry Standards Maintenance Organization; residential and commercial mortgage data standards.
