Brokers Try Co-op Approach to RESPA Rule Apparently convinced that guaranteed-cost mortgage packaging isn’t so bad after all, mortgage brokers are now looking at ways to compete in the new market in anticipation of a final RESPA rule due this spring. The National Association of Mortgage Brokers is looking at cooperatives as a means to get third-party volume discounts for smaller brokers that want to offer one-cost bundled services to consumers.