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Please provide space for an op-ed to accurately and honestly describe the work of mortgage brokers to correct the false statements in the editorial, and to suggest how best to regulate the industry. ..... A press report on this paper says that 1.5 percent of borrowers who used yield spread to pay for their loan would have been better off using points. If you told the New York Times editorial writer that his ban on yield spread would force 98.5% of borrowers to choose a ... Send and Receive money with confidence