Here’s a few pics and videos of Chase.

The Tale of Chase and His Half-a-Ball: A Long-Haired German Shepherd Love Story

There are dog lovers, and then there are staunch “my-dogs-are-my-co-pilots, my-shadow, my-ride-or-dies” type of dog lovers. My wife and I? Definitely the latter. And it all began with Chase, our Long-Haired German Shepherd born on 25th January 2023; a majestic and fluffy, fiercely loyal, and ridiculously stubborn dog with one very peculiar obsession: his prized possession, half-a-ball.

The Ball that Never Dies

Chase adored a particular toy above all others: a red ball. But let’s make no mistake—this is not a ball, and once it even ceased to exist. A long time ago, it did, and in fact Chase loved to fetch it—round, smooth and completely undamaged. However, now? Well, now it resembles an object of interest that has been subjected to a brutal archaeological dig. It overflows with bite marks, is disfigured beyond recognition, is in need of surgery, and quite frankly, had physics not intervened, would have ceased to exist by now.

As dutiful dog guardians, we engaged in speculative thinking. Why do we not attempt to acquire a new ball for him? Or, alternatively, how about two dozen brand new red balls that are identical to the first one? Since it was clear to us that the only issue was his lack of options. Makes sense, right?

No, not at all.

When Chase came out to play, he was greeted by several pristine new balls. Instead of running towards them like a sane dog, he sniffed them thoroughly and walked away as if he had just seen the antichrist. He didn’t even bother touching the fresh balls because at the end of the day, all he wanted was his half-ball. His one true love, the ball most people would disassociate with, is a half-chewed, nearly unrecognizable, blended piece of rubber that is coated with slobber. No other ball comes close to it.

Meet Skylar and Floppy: The Sister Duo

At this point, I am sure you have also deduced that Chase is our favorite dog in the family. For reasons that I am sure will be explained later, we can’t be normal people and leave him all by himself, hence, we got him two sisters. Now Chase was born on January 25, 2023, and so were his new sisters, making him a year older than the two. We surely love a good symmetric story.

Floppy most accurately describes the look of confusion, her ears thrown in different directions, give her a quirky, cartonish look style that can be also described as outright unique. Together with Skyler, who serves as the more excitement-driven dog, they have singlehandedly changed Chase’s life for the better, but the worst for Chase’s owners. The sweetest part? The lovely, heart-melting chaos they create while together.

The Three Musketeers (And Their Chauffeur—Me)

These three are a tight-knit group, and it is amusing to note that they would take my job if given the chance. They sit in the front row of the car when we go for rides together, which is a must. It gets pretty crowded because Chase assumes the shotgun role, while Skylar and Floppy scrunch up at the back like two misbehaved toddlers on a family trip.

As I am idling at stoplights, Chase scans the pedestrians and judges every single person’s life decisions while Sklyar and Floppy use the chance to bark at random objects. It is hard to get any gas without an event happening either. Whenever I leave the car unattended, all three dogs treat me like I am abandoning them and press their noses on the window as I step away until I come back.

The Ball Conspiracy Continues

With the arrival of two new sisters, one would assume that Chase would loosen up over the ball. Chase doesn’t share, nor does he seem inclined to. Everyone is baffled along with Skylar and Floppy because they are unaware of his bizarre dedication to the mangled ball. Those two other dogs would much rather chase the new red balls, which frustrates Chase to no end as he sits and perpetually observes the younger dogs, shaking his head in disbelief.

Now and then, Floppy makes an attempt to capture Chase’s half-ball to try understanding the excitement surrounding it, which is always an awful decision. Chase always gets it back with all the fervor of a person who is safeguarding the final piece of pizza at a party.

Life with The Trio

Our lives now center around three enormous, cute, spoiled, and incredibly funny dogs. Some bone of contention includes but is not limited to:

Chase still not accepting the fact that his ball is not a ball anymore.

Skylar being the main culprit of mischief.

Floppy attempting to act like a baffled potato.

All of them fighting for a ride in the car as if the car belongs to them.

We would not want it any other way.

So, if you ever spot a car zooming past with three extravagant Long Haired German Shepherds- one inconspicuously gripping a half-ball in his mouth while the other two stare in perplexment- you now have an idea as to who we are.

And if by chance you have a chewed up, barely recognizable red ball that is too damaged for any normal person to use, then to you Chase may just consider you his best pal.

P.S. Your guess is as good as mine on how we can convince Chase to replace the beloved trinket he keeps with a brand new, whole red ball. It’s safe to assume that whatever he has will remain.

https://www.facebook.com/reel/1128964241712575?mibextid=9drbnH

• This discussion was modified 1 month, 3 weeks ago by  Gustan Cho.

facebook.com

Gustan Cho on Reels

Gustan Cho on Reels

I am an Experienced Mortgage Loan Originator. How Can You Approach a Home Builder and Become The Builder’s Preferred Lender. Why do home builders want to use you as their preferred lender? How do you become a Preferred Lender of a Home Builder? What do home builders want of a preferred lender. The bottom line is How Do You Become a Preferred Lender For a Home Builder? What can I do to get an opportunity to become a preferred lender for a regional or national home builder?

How can I get approved for a condominium mortgage loan? How does condominium mortgage loan work? How can I get a loan of approximately $60-65,000 on a condo in Florida with high DTI but excellent credit, 20% down (purchase of $75000). A mortgage lender denied me, waiting for denial letter.

How far back do mortgage underwriters need to see child support payment history? How do underwriters review child support payment history and how many months of child support payment history is required? What are the agency mortgage guidelines on child support payment history on HUD, VA, USDA, FANNIE MAE, AND FREDDIE MAE AS WELL AS JUMBO AND NON-QM LOANS?

Is The Home Purchase Agreement Void if FHA pre-approval on current employment & buyer won’t have 6 months of employment until 50 days after the pre-approval letter? What is the FHA 6 month employment rule? Does FHA allow seasonal income? Do FHA loans require 2 years of employment? What is the final verification of employment for FHA loans? Can you use an offer letter for FHA loan? What is the FHA 6 month employment rule? What are the requirements for a FHA employment contract? What are the rules for FHA verification of employment?

Is it possible to obtain a FHA mortgage during active Chapter 13 with another bankruptcy from years prior? How long after a Chapter 13 bankruptcy can I get an FHA loan? Can you get a mortgage after a Chapter 13 bankruptcy? Can you get a loan while in Chapter 13? Does FHA allow multiple bankruptcies?

HOW TO WRITE A SAMPLE LETTER OF EXPLANATION FOR MORTGAGE UNDERWRITERS? WHAT ARE THE STEP BY STEP INSTRUCTIONS ON HOW TO WRITE A LETTER TO MORTGAGE UNDERWRITERS?

2024 Democratic National Conventional Kicks Off Today Monday, August 19th, 2024. Tens of thousands of protestors were protesting the Democratic National Conventional overwhelming Chicago Police. DNC’s pro-Palestinian protests draw thousands in Chicago. Thousands of mostly peaceful pro-Palestinian protesters marched in Chicago on the opening day of the Democratic National Convention on Monday, in a show of anger against the Biden administration’s support for Israel in the Gaza war. Protesters breach fence line near United Center on 1st day of DNC with at least a dozen protestors arrested by Chicago Police.

https://www.youtube.com/watch?v=IF3g5SecXHg

• This discussion was modified 8 months, 1 week ago by  Gustan Cho.

Can Borrowers Qualify For Mortgage With Lawsuit During Mortgage Process?

Can someone will a credit score in the mid to high 500s with steady income be approved for a refinance?

Does Credit Repair Work?

Do landlords run check checks?

Do mortgage lenders look for enough cash to cover preapproval amount of the cost needed for the down payment and closing costs of the home in contract?

• This discussion was modified 8 months, 1 week ago by  Gustan Cho.

When Can I Qualify For FHA Loan While I Am In Chapter 13 Bankruptcy?

If yes, how?

WHAT IS THE MINIMUM DOWN PAYMENT FOR A JUMBO MORTGAGE?

What Does Residual Income Mean On VA LOANS? How do you calculate residual income? What does residual income tell you. What is the formula for residual income for a mortgage. What does residual income affect?

There is a condominium crisis forecase in the state of Florida. The term “condo crisis” refers to various potential issues such as maintenance problems, structural issues, financial difficulties, or even environmental concerns. Florida has faced challenges in the past related to condominiums, including issues with building maintenance, insurance costs, and natural disasters such as hurricanes. The state’s vulnerability to climate change and rising sea levels also poses risks to coastal properties, including condominiums. To get the most accurate forecast regarding the condominium market in Florida and any potential crises, you would need to consult real estate experts, industry reports, and local government agencies for the latest information and projections. Additionally, staying updated on news related to the real estate market and potential regulatory changes could provide insights into any emerging issues or crises.

https://www.youtube.com/watch?v=LDV4eFw4tmY

WHAT IS SETTLEMENT AND CLOSING? HOW DOES SETTLEMENT AND CLOSING WORK IN THE MORTGAGE PROCESS. WHAT DOES SETTLEMENT MEAN FOR A HOUSE? WHAT IS SETTLEMENT IN MORTGAGE. WHAT IS A SETTLEMENT MORTGAGE. WHAT DOES SETTLEMENT FEE MEAN IN MORTGAGE. WHAT IS THE DIFFERENCE BETWEEN SETTLEMENT AND A CLOSING.

• This discussion was modified 8 months, 3 weeks ago by  Gustan Cho.

Many hard-working people are putting their hard-earned money away in the bank. Consumers do not trust the banks and the dollar. The dollar is losing its value as time pass. One dollar today will be worth half its value in the next few years and keep deteriorating to become worthless. The dollar is not backed by anything. The globalists such as the Rothschilds, Rockefellers, Bushes, and Democrats control the Feds and print money whenever they need. So what is the average hard-working American should do to protect their assets? Buy Gold and Silver. Silver in the low $20 per ounce is a screaming buy. Do not buy paper silver. Buy the actual silver bars. The Globalists are shorting the living shit out of silver because of fear. You will not go wrong. Get all of your money in silver or Gold. Silver will go to over $1,000 per ounce. We will keep this thread ongoing.

Thousands of people in California are relocating to Arizona. How are housing prices in Arizona compared to the rest of the country?

A “No-Ratio DSCR Loan” typically refers to a type of commercial real estate financing that doesn’t require the calculation or consideration of the debt-service coverage ratio (DSCR) for the property being financed. Let’s break down what this means:

1. Debt-Service Coverage Ratio (DSCR): The DSCR is a financial metric used in real estate lending, especially for commercial properties. It represents the property’s ability to generate enough income to cover its debt obligations, primarily the mortgage payments. The DSCR is calculated by dividing the property’s net operating income (NOI) by its total debt service (mortgage payments).

2. No-Ratio: When a loan is referred to as “No-Ratio,” it means that the lender does not consider the DSCR when evaluating the borrower’s eligibility for the loan. This can be beneficial for borrowers who may not meet the traditional DSCR requirements but have other strong financial attributes or unique circumstances that make them creditworthy.

In essence, a No-Ratio DSCR Loan is a type of financing option where the lender focuses less on the property’s income-generating ability and more on other aspects of the borrower’s financial situation, such as their creditworthiness or assets. This can be useful for borrowers who have unconventional income sources or situations that make it challenging to meet traditional DSCR requirements.

It’s worth noting that these types of loans may come with higher interest rates or different terms compared to loans where the DSCR is a critical factor in the lending decision. Additionally, they may be more common in certain niche or specialized lending markets. Borrowers considering such loans should carefully review the terms and assess the overall cost and risk associated with them.

It’s OFFICIAL. Barack Obama has convinced Joe Biden to step down from running for reelection in 2024 against former President Donald Trump. We have not heard from Joe Biden or Jill Biden but we have heard this breaking news from reliable sources. More updates to come.

https://youtu.be/3rq6QGtWUus?si=AFmhkpURw6AyyOES

Veterans and New Credit Inquiries: Navigating Fresh Financial Opportunities

Greetings and welcome to Day 14 of our meticulously curated series, designed especially for our nation’s veterans. As they venture into the multifaceted domain of civilian credit, today we’ll explore the concept of new credit inquiries and its implications on credit health.

New Credit Inquiries Unveiled: What’s Behind the Hard Pull?

When you apply for a credit product, lenders usually perform a credit check to assess your creditworthiness. This is often termed as a “hard inquiry” or “hard pull”. New credit inquiries, which constitute these hard pulls, account for approximately 10% of your FICO score.

Why Veterans Should Be Informed about New Credit Inquiries

Each hard inquiry can slightly decrease your credit score. While a single inquiry might reduce your score by a few points, multiple inquiries in a short time frame can be more detrimental. This is vital for veterans, especially those freshly exploring diverse financial products in civilian life.

Navigating New Credit Inquiries: Best Practices

• Limit Applications: While it’s tempting to apply for various credit offers, it’s wise to limit applications to avoid multiple hard inquiries.

• Research Before Applying: Understand the credit product’s requirements. Applying for credit products you’re more likely to get approved for can minimize unnecessary inquiries.

• Rate Shopping: If you’re loan shopping (e.g., auto or mortgage loans), do so within a short window (typically 14-45 days, depending on the scoring model). Multiple inquiries during this period can count as a single inquiry.

Special Considerations for Veterans

• Post-Deployment Financial Overhaul: After coming back from deployments, some veterans might feel the urge to revamp their financial portfolios. While this is commendable, it’s essential to space out new credit applications.

• Utilizing Veteran-Specific Offers: Many institutions have special credit offers for veterans. Before diving in, understand if a hard inquiry will be initiated and its terms.

• Credit Education for Veterans: Take advantage of veteran-focused financial literacy programs that provide insights into managing and understanding new credit inquiries.

Potential Pitfalls in Managing New Inquiries

• Being Lured by In-Store Offers: Often, retail stores entice customers with immediate discounts on sign-up for their credit card. While the offer might seem lucrative, remember it comes with a hard inquiry.

• Ignoring Soft Inquiries: Not all credit checks are hard inquiries. Checking your credit score or getting pre-qualified offers are “soft pulls” that don’t affect your score. Knowing the difference is crucial.

• Overlooking the Long-Term: Hard inquiries remain on your report for two years, though their impact diminishes over time. Still, be mindful of their long-term presence on your credit report.

The Broader Canvas: Inquiries in the Grand Scheme of Credit

While new credit inquiries play a role in your credit score, they’re just one part of a larger picture. Payment history, credit utilization, and credit mix also have notable impacts. Veterans, known for their strategic planning and foresight, can approach credit inquiries as just one tactic in the broader strategy of credit management.

Closing Day 14: Paving the Path to Informed Financial Decisions

Every hard inquiry, every credit application, is a step on the journey of financial self-discovery. For our brave veterans, this journey is intertwined with their unique experiences and aspirations.

As we wrap up today’s chapter, our mission remains crystal clear: to equip our nation’s heroes with the knowledge and tools they need to confidently stride down the path of financial freedom.

Tune in for Day 15, as we delve deeper into the nuances of credit, ensuring our veterans stand tall and informed in the face of every financial crossroad.

Promotion of a forum requires the right kind of involvement as well as contribution to the community. Below are some tips that can help you promote a forum successfully:

Select Appropriate Forums

Find Your Niche: Look for forums within your niche and where your target market hangs out. For example, if you provide web design services; find web development, marketing, SEO among other web design focused forums.

Research Active Communities. Make sure that the forums are active with regular members’ engagement. An active board is likely to give positive results.

Join as an Individual

Know The Rules: Take time to understand how the forum operates including rules and guidelines so that you do not get banned for violating them.

Fill Out Your Profile: Include relevant information about yourself in your profile such as interests and expertise areas; this will help build trust among other participants who may want to engage further with you based on what they see there.

Create A Signature: Have links leading back into your social media accounts or even subtly linking back to own site through signature space provided by some sites if allowed thus promoting passively rather than being intrusive.

Build An Attractive Profile

Give A Detailed Description: Write down all experiences gained so far together with skills acquired during those periods which can be shared freely while helping others solve their problems hence gaining reputation points within such communities easily recognized by fellow members too since it shows one’s ability level when dealing different challenges faced daily either personally or professionally therefore giving more weightage towards answers given by such knowledgeable individuals compared against someone else without any background knowledge regarding subject matter discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever

Be Transparent about Affiliations

Tell The Truth Always: Be honest enough disclosing any association with companies, brands or products lest somebody somewhere somehow discovers something somewhere somehow elsewhere anyhow sometime later in future then they might really feel betrayed because we failed to tell them everything from beginning till end concerning our involvement with various entities where certain goods were produced while representing ourselves as some kind of experts who knew much about those things when actually that was not true at all since there are many people around us even right here today who could easily expose such frauds committed by individuals like you me him her them whomsoever whatsoever wheresoever therefore let us always remain open minded even though it may cost us dearly financially but morally speaking this would save numerous souls including ours too

Add Value through Thread Contributions

Do Not Spam: Avoid posting just for the sake of promoting links. Instead, work towards being a valuable contributor so that over time people will click on your forum based on trust earned.

Contribute Meaningfully: Take part in discussions where necessary by giving useful insights related to what others have said already or sharing personal experiences which can help solve certain problems faced by different people either individually or collectively depending upon circumstances prevailing then and there thus adding more worthiness into such exchanges rather than spamming them needlessly with irrelevant stuff only designed purposely intended solely directed exclusively towards luring someone somewhere somehow into clicking somewhere else altogether thereby leading back home again after wandering away aimlessly without achieving anything meaningful throughout entire day except maybe earning another dollar bill if lucky enough not lose everything instead due bad luck following suit thereafter until bankruptcy knocks doors down left right center front rear side top bottom above below inside outside middle nowhere fast slow hard easy high low above beyond beneath beneath beside between beyond near far great small tall short thin thick wide narrow wide-ranging varying dramatically according several reasons many times frequently occasionally seldom once twice thrice four times five times six seven eight nine ten eleven twelve thirteen fourteen fifteen twenty thirty forty fifty sixty seventy eighty ninety hundred thousand million billion trillion zillion gazillion infinity number numbers periodality periodicities regularity irregularities heterogeneity homogeneity betweenness interconnection disconnectedness continuity discontinuity unity diversity different similar same other again and so forth etcetera et alia yada yada yada yadda

Ask & Answer Questions

Answer Questions: Seek out questions which can authoritatively be responded to from within the forum; this will help others see you as an expert thereby paying attention whenever they come across your profile or signature link since all along nobody knew anything about everything apart from God Himself alone knows all things about everybody everywhere every time forever always never sometimes ever

Ask Questions: Ask thought-provoking inquiries that are likely arouse curiosity among members thus making them start thinking deeply about particular subjects discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever.

https://www.youtube.com/watch?v=3CGuTDp1jWc

I am not familiar with bank statement loans. Can you please explain how bank statement loans work.

Here is an informative article on how mortgage lenders price mortgage rates based on credit scores.

https://www.gcamortgage.com/mortgage-rates-versus-credit-scores/

gcamortgage.com

How Lenders Price Mortgage Rates Versus Credit Scores

The way lenders price mortgage rates versus credit scores is the lower the credit scores, the higher the mortgage rates due to risk for the lender

Two-to-four unit multi-family homes, often referred to as duplexes, triplexes, or fourplexes, are residential buildings that contain multiple individual housing units within a single structure. Here’s an overview of each type:

1. Duplex: A duplex is a two-unit building, with one unit situated on top of the other or side by side. Each unit typically has its own separate entrance, utilities, and living space. Duplexes are a popular option for homeowners who want to live in one unit and rent out the other to generate rental income.

2. Triplex: A triplex is a three-unit building, often configured with one unit on each floor. Like duplexes, each unit usually has its own amenities and separate entrances. Triplexes can provide more rental income potential than duplexes and are suitable for property investors or homeowners who want to live in one unit while renting out the others.

3. Fourplex: A fourplex is a four-unit building, which can be arranged in various ways, such as two units on the ground floor and two on the upper floor, or as side-by-side units. Fourplexes offer even more rental income potential than duplexes and triplexes, making them attractive for real estate investors.

Investing in two-to-four unit multi-family homes can be a good way to diversify your real estate portfolio and generate rental income. They often have advantages over larger apartment buildings, such as lower management and maintenance costs, and they can provide a stepping stone for real estate investors looking to enter the rental property market. However, they also come with their own set of responsibilities, including property management and tenant relations, so it’s important to consider these factors before purchasing such properties.

A two-to-four unit multi-family home is a type of residential property that typically contains two to four separate dwelling units within a single building. These units are designed to be occupied by different households, making it a form of multi-unit housing. Here are some key characteristics and considerations regarding two-to-four unit multi-family homes:

1. Unit Count: As the name suggests, these properties can have anywhere from two to four individual units, each with its own living space, kitchen, and bathroom facilities. They can vary in terms of layout, with options like duplexes, triplexes, or quadplexes.

2. Ownership: These properties are often owned by a single individual or entity, making them distinct from larger apartment buildings where multiple owners might have stakes in the property.

3. Rental Income: Many owners of two-to-four unit multi-family homes choose to rent out the individual units to tenants. This can provide a steady stream of rental income, which can be attractive for investors.

4. Owner-Occupied: Some owners choose to live in one of the units themselves while renting out the others. This arrangement can help them offset their own housing costs while generating rental income from the other units.

5. Financing: Financing options for two-to-four unit multi-family homes can differ from single-family homes. Some loans, such as FHA loans, are specifically designed for multi-family properties and can offer favorable terms for owner-occupiers.

6. Property Management: Depending on the owner’s preference and the location of the property, property management may be necessary to handle tasks like tenant screening, maintenance, and rent collection.

7. Local Regulations: Zoning and housing regulations can vary by location. It’s essential to understand local laws and regulations, such as those related to zoning, rental licensing, and building codes, when purchasing and managing multi-family properties.

8. Income Potential: The potential for rental income can make two-to-four unit multi-family homes an attractive investment option. However, the income potential will depend on factors such as location, market conditions, and the condition of the property.

9. Maintenance Costs: Owning and maintaining a multi-family property can be more complex and costly than a single-family home due to the additional units and shared spaces. Regular maintenance and upkeep are essential to keep the property in good condition.

10. Property Management: Depending on the number of units and your experience, you may choose to manage the property yourself or hire a property management company to handle day-to-day operations, tenant issues, and maintenance.

Investing in two-to-four unit multi-family homes can be a viable strategy for real estate investors looking to generate rental income and potentially build equity over time. However, it’s crucial to conduct thorough research, consider location-specific factors, and have a clear financial plan before making such an investment. Additionally, consulting with real estate professionals, including real estate agents, property managers, and financial advisors, can be beneficial in making informed decisions.

Team Amanda Witthauer is an up-and-coming star at GCA. I want to congratulate Amanda on moving from Washington to Tennessee and landing her new job as a commercial real estate agent in her new home state. She was on furlough for the past few months because she needed to relocate from Washington to Tennessee. She is ready to rock and roll, and I have the utmost faith and confidence in Amanda since day one. She has switched to become a commercial real estate agent at a prestigious, highly reputable company and was one of ten experienced agents to get hired. Very proud of her, and I would not be surprised if she becomes the top originator. Let’s all help Amanda get her the proper tools for her success: Sapna, here are the following tools needed for Amanda:

1. Landing page
2. Make the landing page with her very own Contact Us page, email, mortgage calculator branded Amanda Witthauer, Loan Limits, her apply now CTA links to her mortgage application and ordering credit, a category blog box with drop-down per month with all blogs she is an author in, link to GCA FORUMS, Resources Section.

Amanda, please work with Sapna on custom-designing your landing page. Sapna will need a detailed bio and image with original content, how you want it laid out, and verbiage, text, images, slogans, logo, etc. You can have a dba like The Amanda Witthauer Team or Amanda Witthauer Mortgage Group. We need the verbiage powered by Gustan Cho Associates-NEXA Mortgage, really small lettering for compliance reasons. If you need a two-sided business card with you on one side and me on the other, Marga can order for you if you want to be the LOA in states you are not licensed in, and I can be the LO.

Felix and Paulyn work with Amanda setting up her business Facebook page, LinkedIn, YouTube Channel, and other social media platforms.

Let’s get all the support required for Amanda and do it with style. Congratulations on your new position, Amanda, and I want to thank you for participating in the forum. You got the keys to success. Depend on where you want to take it to—the top, of course. Again, a very big congratulations to Amanda Witthauer on her move to Tennessee and becoming a commercial realtor and loan officer. The best of the best and we are all proud of Amanda.

https://gustancho.com/can-realtors-be-loan-officers/

gustancho.com

Can Realtors Be Loan Officers at the Same Time?

Can Realtors Be Loan Officers and make money on the same transaction? The dual realtor/MLO gets compensation as the realtor and loan officer.