Legal Question in Wills and Trusts in California

I do not know if it is common practice but unless the broker is going to make a sizeable profit why would they. And why would the brokerage lend any money of its own? Its busniess is to find loans for you, for which it gets a commission from the lender. If it is putting any money into the loan terms, that would imply you do not qualify yourself for the loan and that at some point you will not be able to make the payments. Quiz them as to why they are doing what they claim.