Dear Karma,
Prop16 is quite correct. They all have given me great suggestions whenever I’ve posted my financial/borrowing problems. Whichever broker you choose anywhere, remember to start with the end in mind and perhaps base your choice on a broker who listens to your ‘exact needs and goals for the present AND FUTURE.’ I had one broker come to my house (not from this forum) on the advice from a work colleague. He offered me the same product I ended up taking with another broker and he also offered to pay me half of his commission (about $1500!). So why didn’t I go with him? He had no interest in my goals and wasn’t interested in my questions. Sure, he could have saved me money but at what cost?
Keep asking questions, especially the ‘dumb’ ones. That way you may prevent from hindsight making ‘dumb’ mistakes.
Good luck,
Gatsby.