Big banks and retail lenders don’t get paid to educate you. So they don’t. First-time buyers need the most help. Most questions. Most guidance. Most explanation. They get the least. Here’s why. A retail loan officer gets paid the same whether you understand the loan or not. Same commission. Same bonus. Same quota. Your education doesn’t move their numbers. Your closing does. So they optimize for speed. Not understanding. Get the application. Run the file. Close the loan. Next. There’s no line it