YES I DO, I don’t get a penny in kickback/YSP/rebate unless the borrower chooses that option up front, AND THEY KNOW IT.

I don’t “sell” people mortgages and I don’t “peddle” mortgages. I explain financing options to people 6 ways from Sunday so they can decide what’s right for them. Banks don’t do loans for free and I don’t either, but I beat bank rates and programs on a daily basis.

ANY loan, FHA, VA, FNMA have no cost options.
It’s truly fools like you that think they know everything about mortgages yet your question just proves how little you know.

Plenty of people on this board know who I am.
I’ve done a local radio show for over 2 and half years educating people about what’s going on.
If I was a mortgage crook I wouldn’t be here.

I can’t guarantee anybody that I have the absolute lowest rate/programs, but if that’s all people think they need, they can shop til they drop.

ADEBISI, since your first (recent) post you have proved yourself to be a jerk. Your limited knowledge and the people that you are choosing to pick on are further evidence of your ignorance, yet you think you are a know it all.
If you expect ANY respect around here you’re going to need to earn it.
You appear to be the bully that just transferred to a new school mid year and are trying to impress people yet nobody likes you nor wants to be your friend.