Since January 1, 2010 the compensation a mortgage broker derives from getting a loan for a borrower is disclosed in a manner to HELP the borrower decide which mortgage offer is best.  Although well intentioned, this legislation has clouded and confused the very decision process it was intended to help.  The compensation I make is is NOT a meaningful way for someone to determine their best offer.  Only the borrower's rate, monthly payment and closing costs matter in making this determination.  This disclosure process was supposed to improve 'transparency', a word no doubt selected to cast suspicion.  The benefit to broker's clients is to find the least expensive source of funds for their loan/financial scenario.  If brokers improve value to the consumer while getting paid for the effort they spend in creating the added value, they both win.  When was the last time you were told the amount of gross income you paid for a can of peas, a gallon of gas, or a new car, and you were still able to determine the best price?  The consumer does not need this and in fact without it, the process would be much less confusing and make it easier for the consumer to determine the best offer.