1:30 Minute Read. Most lenders get their mortgage funds from the same pile of money. The difference they charge is a combination of buyer risk factors and lender commissions. So, before offering advice about any lender, take the time to understand your client’s financial needs. Basically, clients (and their accompanying lenders) come in two sizes: Our first type of client has high credit scores, stable employment and is squeaky clean financially. Often, these folks already ha