home-mortgage lender, late last month announced a plan to refinance or restructure as much as $16 billion in loans by ... before considering a loan modification," she says. someone to not pay is a bad ...The group offers credit ... the largest U.S. Wall Street Journal - ... As opposed to bank officers, mortgage brokers are not employees of the lending companies they work for. Instead, they work independently as free lance agents who are on the look out for borrowers looking for a good mortgage.