I were a outsource mortgage agent, to be frank we do everything according to the law and everything clean. There might be some hanky pank agent but I'm not sure.

We work very hard and much quicker than direct bank because we earn commission from bank for it, doing unproductive work = zero income. Basically, we are not as someone said will falsified your document etc as I don't want to go to jail also, we have to attend AMLA, KYC and alot alot more compliance stuff.

However, I don't social around, Im the type of people just do my stuff, there might be some agency who are hanky panky, then I don't know. However, you will have letter offer and lawyer, there is not much outsource agent can do to harm you, and I don't think there is any reason for them to harm you as well as you are not paying us a single cent, they just want their commission from bank then ciao.

Once in a blue moon I heard some agent will help their client to beautify their income, they will personally charge client for it.

If you are not paying them to falsify your document, why would they risk their career do that for free for you? I'm not the one that do it, I rather lost the case than going to jail because our principal(Maybank/OCBC/Hong Leong etc) told us once they found out falsify document, we kiss our ass to jail.

Like I said, you need to pay them to failsify your document, nobody in the world will do it for free unless you are their nemesis to frame you for fun.

However, I'm not sure who you are meeting with, so always proceed with caution.