After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions

https://chrisoshawagarden.trexgame.net/how-different-lenders-viewed-our-brampton-pre-approval-through-a-toronto-broker

After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions, which I had never known.