Which action is considered unethical for a mortgage broker?

Manipulating fees without disclosing them is considered unethical because it undermines the foundational principles of honesty and transparency in the mortgage industry. Brokers have a responsibility to provide clear and accurate information about all costs associated with a mortgage transaction. When fees are manipulated or hidden from clients, it compromises their ability to make informed decisions and erodes trust in the broker-client relationship. Ethical practices emphasize full disclosure, which is critical in ensuring that clients understand their financial commitments and the ramifications of their choices. Upholding these ethical standards is essential for maintaining integrity within the lending process.