You are the person who buys a house. If the mortgage goes wrong, the owner will suffer in the end, and there is no loss for you. It's just that the intermediary will have an excuse to say it's your responsibility, so since you went to the intermediary, you should give it to them. After all, they are professionals, and they can handle places that you can't handle yourself, so that they can pay more and have less trouble. If something goes wrong, they will be responsible to the end. If they can't handle it themselves, they will come to them in the end.