Previous studies indicate that the use of child labour on the tobacco estates is in fact continuous and part of the overall labour market. Children are usually not employed directly on the estates but work as part of the tenant family.
A Broker is NOT the same as and Underwriter (U/W). The Broker usually owns the mortgage company. He contracts with several companies to write loans.
The underwriter then reviews the information and requests any additional documentation needed from the processor. When the underwriter has enough information to approve or decline a loan he will make the decision and notify the processor who will then inform the broker.