Market value is the value of your house when you are ready to sell it. Your house is only worth what the market value is.

 Which means you could have bought your house a couple of years ago for $150,000 put …

What makes an honest mortgage broker? 

First I would talk to others who have used the particular mortgage broker you are thinking of using. Asking them what their experience was like and if they got the best deal.

Is the mortgage broker …