[Connie]

HubSpot founder and billionaire CEO Dharmesh Shah joins Sam Parr and Shaan Puri on My First Million and drops a major take: SEO is changing fast because of AI and ChatGPT. He reveals organic traffic drops of 20-40% in many industries and explains the shift to Answer Engine Optimization (AEO).

SEO expert Caleb Ulku reacts to the full interview, breaks down the data, separates fact from hype, and explains what’s really happening with Google, AI Overviews, ChatGPT recommendations, and the future of search.

https://youtu.be/MGPRhOWQEIw?si=-BvXjDyGkUEs-4Rx

• This reply was modified 2 weeks, 3 days ago by  Connie.
• This reply was modified 2 weeks, 3 days ago by  Connie.
• This reply was modified 2 weeks, 3 days ago by  Sapna Sharma.

[Connie]

My husband and I are a husband and wife team Fually Licensed Real Estate Agents and MLOs. How long would it take you for your company to create our new website and for it to go viral where we get organic traffic co vetting to leads.

[Connie]

States with Cheapest and Easiest NMLS Mortgage Broker LicensesBased on the search results, here’s what I found about states with the most affordable and straightforward mortgage broker licensing process
Most Affordable States
The total cost to obtain a mortgage broker license varies significantly by state. According to the search results, the total cost ranges from $635 to $1,195 depending on your state’s fees and education provider choices.The general cost structure includes:
– Application fee: approximately $300-$500 to register your business¹
NMLS processing fee: $1,500
Additional state-specific fees and education costs
While the search results don’t explicitly rank states from cheapest to most expensive, they do provide some specific example³
– South Carolina has an initial filing fee of $750 with a renewal fee of $550 (not including NMLS processing fees)
States with Easiest Licensing ProcecessI
The search results don’t provide a definitive ranking of states by ease of licensing, but they do mention that:
1. All states require 20 hours of NMLS-approved courses to earn an individual MLO license as set forth by the SAFE Act.2. Some states may have more streamlined processes or fewer additional requirements beyond the federal standards.
Cost-Saving Tips
To minimize your licensing costs:
Consider applying for multiple state licenses at once if you plan to work in several states (some fees may overlap)
Look for employer sponsorship, as many mortgage companies reimburse education costs after you’re hired
– If working for a bank or credit union, they typically cover operational costs including surety bonds
Additional Considerations
– Renewal fees typically range from $100-$300 annually depending on your state. Most mortgage companies cover continuing education costs for their loan officers
Independent brokers generally cover all costs themselves, while those working for lenders or banks often have expenses covered by their employer⁵
Would you like me to look for more specific information about a particular state’s licensing requirements or costs?

• This reply was modified 3 weeks, 2 days ago by  Gustan Cho.
• This reply was modified 3 weeks ago by  Sapna Sharma.

[Connie]

DO NOT Order a 2026 Corvette C8 Without Watching This! (Avoid These Options) Because making the wrong choice on your build can cost you thousands in resale value and daily drivability. In this video, I’m breaking down the specific Corvette C8 options that are a total waste of money and the ones you’ll regret skipping. Whether you are looking at the Stingray, Z06, or E-Ray, these are the “trap” options you need to avoid before you submit your order to the dealer! Thank me later—I’ve seen too many owners regret their spec because they didn’t understand how these features actually perform in the real world.

https://youtube.com/watch?v=JCKgaFPMTWo&lc=UgzyulfpZG3572vLMrN4AaABAg&si=AI_cawhJaVCDOXw9

• This reply was modified 2 months, 3 weeks ago by  Sapna Sharma.

[Connie]

Punch is making new fellow monkey 🐒 🙈 🙊 😄 😜 😤 🐒 friends

https://youtube.com/shorts/FOBmekxph2U?si=-bVYvEWGyedbIfB1

[Connie]

Punch Kun runs around like a human baby

He keeps running and does not stop.

https://youtube.com/shorts/KhRqntXLuEw?si=Tbw08YBq5QCKH7Sz

[Connie]

Here’s a very cute video short about Punch and his Orangutan stuffed animal.

https://youtube.com/shorts/hB1ebjYDtj8?si=dsVfW61l7Xeo7jQw

[Connie]

Several of my fellow mortgage loan originators were thinking of joining NEXA Lending and becoming independent mortgage loan originators and eventually become branch managers with a brick and mortar. Many things about NEXA Lending interested us and one of the major things that stuck out was the owner saying with conviction that NEXA Lending pays 100% to their loan officers which is not true. NEXA Lending takes 55 basis points right from the top of the 275 basis points. 25 basis points goes straight to NEXA up to $3 million in volume and then the loan officer gets 100% with any production over $3 million. Then 30 basis points gets deducted and gets allocated to revenue share. You are then left with 220 basis points. What would you pay loan officers if you have your own P and L brick and mortar branch? What would expenses be? How about employer matching taxes on W2 employees? I heard there were many junk fees like tech fees, accounting fees, and other fees? Do you have enough spread to pay for receptionist, processors, LOAs, rent, utilities, marketing expenses, insurance, licensing, reserves, and other fees and costs to comfortably run a brick and mortar P and L mortgage net branch? I heard there are other similar mortgage companies similar to NEXA Lending? Some names that came to mind is C2 Financial, Barrett Financial, Loan Factory, Edge Home Loans, or starting your own broker shop. Can you please advise on other mortgage net branch vs your own mortgage broker opportunities, costs, expenses, and maintainance fees in running them? Very much appraciated.

https://gustancho.com/careers/

gustancho.com

Mortgage Branch Manager Opportunity Careers

Mortgage Branch Manager Opportunity Careers for goal oriented licensed loan officers. Start as an independent loan officer on your own P and L

[Connie]

From my understanding, you can be sponsored by two different mortgage companies at the same time if the following holds true:

1. You are the owner of All-World Mortgage Brokers and the mortgage brokerage company is licensed in one state: Let’s say they are only licensed in Illinois.

2. All other states aside of Illinois, you can be sponsored by another mortgage company but cannot be licensed in two companies in the same state.

Correct me if I am wrong. This is what I was under the impression and understanding of for many years.