Education Danny Vesokie | Affiliated Financial Partners
EducationForum Replies Created
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How much will it cost to open your own NMLS state licensed residential mortgage brokerage company in the state of North Dakota and South Dakota? I would like to know an estimation of the NMLS company state licensing costs, the approximate state fees, and bonding costs? How much would the NMLS state licensing consultant cost? What are the eligibility requirements for the individual NMLS, qualified individual, and the company NMLS eligibility? Does North Dakota and South Dakota require brick and mortar? What would the timely be from application submission and final review and approval? Would it help if I am a branch manager in North Dakota and South Dakota and the existing branch I manage as well as myself is already licensed in North Dakta and South Dakota versus if I had to start from scratch in getting my individual NMLS license as well as my company NMLS license? I have been a branch manager for a mortgage net branch licensed in North Dakota and South Dakota and a licensed NMLS MLO individually for the past four years.
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How much will it cost to open your own NMLS state licensed residential mortgage brokerage company in the state of Alaska? I would like to know an estimation of the NMLS company state licensing costs, the approximate state fees, and bonding costs? How much would the NMLS state licensing consultant cost? What are the eligibility requirements for the individual NMLS, qualified individual, and the company NMLS eligibility? Does Alaska require brick and mortar? What would the timely be from application submission and final review and approval? Would it help if I am a branch manager in Alaska and the existing branch I manage as well as myself is already licensed in Alaska versus if I had to start from scratch in getting my individual NMLS license as well as my company NMLS license? I have been a branch manager for a mortgage net branch licensed in Alaska and a licensed NMLS MLO individually for the past four years.
Second important question is how much will it cost to open your own NMLS state licensed residential mortgage brokerage company in the state of Hawaii? I would like to know an estimation of the NMLS company state licensing costs, the approximate state fees, and bonding costs? What are the eligibility requirements for the individual NMLS, qualified individual, and the company NMLS eligibility? Does Hawaii require brick and mortar? What would the timely be from application submission and final review and approval? Would it help if I am a branch manager in Hawaii and the existing branch I manage as well as myself is already licensed in Hawaii versus if I had to start from scratch in getting my individual NMLS license as well as my company NMLS license? I have been a branch manager for a mortgage net branch licensed in Hawaii and a licensed NMLS MLO individually for the past four years.
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There is a lot of controverse about the character of FBI Director Kash Patel and his ability to handle alcohol. The Atlantic published that dozens of anonymous FBI agents and other folks familiar with Kash Patel said Patel cannot control his alcohol and has been in situations where he was caught red handed passed out drunk while at work at his office. These allegations are beyond serious and a national security threat. FBI Director Kash Patel has denied all allegations and has sued the Atlantic for $250 million for defamation of character. The Atlantic stand by their story and holds firm on their allegations. Kash Patel has been under scrutiny ever since he was nominated as the FBI Director and talk of incompetence, lack of experience, taking the FBI private Lear Jet throughout the country trying to impress his white country singer Alexis Wilkins from Tennessee who is an attractive 28 year old woman. Patel also assigned an FBI SWAT TEAM as Alexis Wilkins body guard on her trips on the FBIs lear jet. Many are livid about the actions of Kash Patel.
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President Donald Trump has a reputation for being very vocal about lowering interest rates. Trump believes rates need to be cut and cut fast. The president has been very vocal about Too Late Powell not cutting interest rates and destroying the U.S. economy. He lobbied for Fed Chairman to cut rates ever since he was sworn in to office. Powell did not give in to Trump’s pleadings on cutting rates. Donald Trump nominated Keith Warsh for the Federal Reserve Board Chairman position. Keith Warsh is before Congress getting drilled about his nomination as the next Fed Chairman. Members of both sides of the isle grilled Warsh if Trump ever discussed cutting rates if he is confirmed to the Fed Chair position for the next ten years. Warsh said Trump never asked him and he said he would not listen to Trump on cutting rates. This is hard to believe because Trump is extremely outspoken and vocal about cutting interest rates. Asked whether he would cut rates if the President pushes him aggressively, Warsh replied he would not listen to the President and stand firm on his own decision on whether cutting rates is warranted. Can you please give us a comprehensive overview about Keith Warsh, his background, his reputation, whether he is liked and who are his closest allies. Does Trump know Warsh and how long has Trump known about Warsh. Trump does not have a good reputation of picking great cabinet members and nominating people in high leadership positions. Fed Chair Jerome Powell is one of the worst and most hated people Trump ever nominated for an important position and both of them do not like each other nor respect one another.
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Mortgage Broker Compensation Models and Flat-Fee Structures? Should I open my own mortgage broker company or should I become a net mortgage branch of NEXA Lending, Barrett Financial, Loan Factory, C2 Financial, UMortgage, or C2C Mortgage Lending. Which is better and the best compensation?
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I think you need to contact National Faith Homebuyers Program.
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Bondi Launches Obama Clinton Grand Jury in FLORIDA
The DOJ has impaneled a grand jury, and the video dives into breaking *news* surrounding the Trump DOJ impaneling a grand jury in the state of Florida to investigate the Russiagate Hoax. It also discusses whether high-profile figures like Barack Obama and Hillary Clinton could be affected, and the *legal process* this entails. Is this a real move toward *criminal justice* or just a *politics* distraction?
We also watch Trump learn about 1.7 million foreign born workers leaving the labor force since he came back into office. And what he has to say about his critics claiming his trade deals lack details. And more upcoming Executive order’s Trump will be signing in the next weeklhttps://youtu.be/TUtAyM-iolA?si=i3YLoWJ4osK7nn4_
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Gavin. Newsom admitted he’s a liar and doesn’t care. https://youtu.be/3dHL_rEKUVQ?si=k9OajaCPfilK1nB0
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Yes, I would be very careful with Richard’s statement about the FBI.
As of the current official FBI Special Agent requirements, a bachelor’s degree is still required. The FBI Jobs page says that Special Agent applicants must have a bachelor’s degree plus at least 2 years of full-time professional work experience, or an advanced degree plus at least 1 year of experience. The FBI also says applicants generally must apply before age 36 and enter duty before age 37, with limited exceptions such as veteran preference or certain federal law enforcement experience.
Recently, there have been reports that the FBI is making it easier for current support staff to become agents. However, this does not mean that outside applicants no longer need a degree. Reuters reported that these changes apply only to internal FBI employees and do not affect the requirements for everyone else.
My Honest Recommendation for Richard and Tammy
For Richard, becoming an FBI Special Agent may be difficult due to the age and degree requirements. If he is in his 50s, the age limit is probably the bigger challenge unless he qualifies for a waiver. His law enforcement experience is valuable, but he should check FBI job openings or speak with an FBI recruiter before making any major decisions based on rumors. A more realistic option might be:
Richard should consider federal law enforcement, state law enforcement, county sheriff departments, campus police, court security, investigator roles, probation/parole, homeland security support roles, or private-sector security management. Some federal or public safety jobs may value law enforcement experience even when a four-year degree is not required.
Tammy is in a better position to move because nursing skills are needed everywhere. The BLS expects registered nurse jobs to grow 5% from 2024 to 2034, with about 189,100 openings each year. This means Tammy’s RN background should give them flexibility in many states.
Why California Is Crushing Middle-Class Homebuyers
Richard and Tammy’s situation is common in Los Angeles County. Even with two good incomes, it can be hard to buy a home when rent, taxes, insurance, food, gas, childcare, debt, and home prices are all high.
California housing costs have been above the national average for years, and the California Legislative Analyst’s Office recently said that affordability is still a big problem in the state.
Nationally, the NAR reported that the median price for an existing single-family home in the West was about $625,800 in late 2025. In the Midwest, it was about $317,100, and in the South, about $367,300. This gap helps explain why many high-income renters from California can buy homes after moving.
Best States I Would Recommend for Them
For a household with a sheriff and a nurse, I would look for states with three things: affordable housing, good hospitals, and steady public safety jobs.
Texas
Texas should be near the top of their list. Dallas-Fort Worth, San Antonio, the Houston suburbs, and parts of East Texas can offer much more house for the money than Los Angeles County. Texas also has no state income tax, plenty of hospitals, and many law enforcement jobs. Property taxes can be high, so they should look at the total monthly payment, not just the home price.
Tennessee
Tennessee is another strong option. Knoxville, Chattanooga, Murfreesboro, Clarksville, and areas outside Nashville may offer a better balance between income and housing costs. Tennessee has no state income tax on wages, and nurses are needed throughout the state.
Georgia
Georgia is a realistic option for a working family. The Atlanta suburbs, Augusta, Macon, Warner Robins, and areas around Savannah can be much more affordable than California. Georgia also has major hospitals, public safety jobs, and a growing economy.
North Carolina
North Carolina is a good choice for healthcare workers. The Charlotte suburbs, Greensboro, Winston-Salem, High Point, Fayetteville, and areas around Raleigh may be worth considering. Some places have gotten more expensive, but compared to Los Angeles County, buying a home is still more realistic.
South Carolina
South Carolina could also work well, especially in Greenville, Spartanburg, Columbia, and areas outside Charleston. Charleston itself has gotten expensive, but many inland areas are still more affordable.
Indiana, Ohio, Missouri, and Kansas
These Midwest states may offer the best chance for affordable homeownership. Indianapolis, Fort Wayne, the Cincinnati suburbs, areas around Columbus, the Kansas City suburbs, and the St. Louis suburbs all have home prices much lower than those in California. The trade-off is different weather, a different lifestyle, and sometimes lower wages, but the monthly payment may finally be manageable.
Arizona and Nevada
Arizona and Nevada are popular with people moving from California, but I would be careful. Phoenix, Las Vegas, and Reno are more expensive now than they used to be. Still, some suburbs and smaller cities might work if Tammy can keep a good RN income and Richard can find law enforcement or security work.
What They Should Do Before Moving
They shouldn’t move just because homes are cheaper. They need to look at the full monthly cost of living. A $3,500 apartment in Los Angeles feels expensive, but an $800,000 home in California could mean an even higher monthly payment once you add in principal, interest, taxes, insurance, utilities, and maintenance. In a lower-cost state, a $350,000 to $475,000 home may be much more realistic if their income stays strong.
Before moving, they should:
Get Tammy licensed or prepared for an RN license transfer in the target state.
Have Richard apply for jobs before they move.
Compare the pension consequences if Richard leaves employment in Los Angeles County.
Build at least three to six months of emergency reserves.
Avoid buying immediately unless they know the area well.
Rent for six to twelve months in the new state if they are unsure.
My Best Practical Advice
If Richard and Tammy are in their 50s with no savings, the goal shouldn’t just be to move somewhere cheaper. The real goal should be to reset their household finances.
They need to find a state where Tammy can keep earning a good RN income, Richard can keep working in public safety or investigations, and the monthly housing payment doesn’t take up all their income. For them, I would start by looking at Texas, Tennessee, Georgia, North Carolina, South Carolina, Indiana, Ohio, Missouri, and Kansas.
As for the FBI, Richard should check directly with the FBI Jobs. Based on current official requirements, the Special Agent position still requires a bachelor’s degree and imposes a strict age limit for most applicants.
