What Is the Broker Action Coalition? The Grassroots Voice for Independent Mortgage Brokers and Homebuyers

Douglas Wilkerson

Published on: 26/10/2026

The Broker Action Coalition (BAC) is the grassroots advocacy network for independent mortgage brokers. It led the fight that banned abusive trigger leads in March 2026 — and is now taking on credit report costs and loan officer compensation. What it does, and why Freeman Douglas is part of it.

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The "No-Closing-Cost" Refinance: How Lender Credits Work, and When "Free" Actually Pays

Douglas Wilkerson

Published on: NaN/NaN/NaN

A "no-closing-cost" refinance isn't free — lender credits trade a higher rate for upfront credit. See the exact math, when the deal wins, when it loses, and the streamline rules that apply in Oct 2026.

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