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Simple fact is the broker association does **** all for its members. Only thing they organise are junkets for themselves and patting themselves on the back - but I don't expect them to do much more.

It is a pain in the ***. I hate it. I have put it off as long as possible because some of us have more important things to do with our time!

Because the FBAA doesn't require the diploma upgrade module for mortgage brokers.

Your checklist looks like an exam for the mortgage broker diploma! Why don't you call some brokers up and talk to them directly? Each situation is different so not all questions you have listed are applicable but most of your questions can easily be fleshed out in a quick conversation.