[eight] The phrases, "having a mortgage loan software" and "supplying or negotiating terms" are defined very broadly so that just about anyone in the underwriting process who has a lot more than cursory contact with a possible borrower is undoubtedly an MLO. Mortgage loan loans contain funding and refinancing transactions, https://paydayloanspensacola01098.ampedpages.com/5-easy-facts-about-110-loan-described-62773726