If Shelly provided Brian with a loan estimate, who does she most likely represent?

If Shelly provided Brian with a loan estimate, it indicates she is likely representing the lender. A loan estimate is a document that lenders are required to provide to potential borrowers under the Truth in Lending Act and the Real Estate Settlement Procedures Act. This document outlines important loan terms, projected payments, and closing costs.

This context suggests that Shelly is acting in the capacity of a lender rather than an agent or client for Brian. Loan estimates are specifically tailored to borrowers, but the person issuing that estimate is representing the lending institution, ensuring that the borrower has a clear understanding of the financial commitment they are considering. Therefore, the role of the lender is about facilitating and managing the loan process, including providing critical information through the loan estimate, making the choice of representing the lender accurate in this scenario.