Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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Mortgage Brokers and Mortgage LENDERS. BROKERS has more wholesale lenders and are normally smaller.
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I’m sorry you and Boston Terrier Quincy are going through this. A fast-growing swollen cheek mass in a dog can be several things — dental abscess, salivary gland issue, cyst, enlarged lymph node, or a tumor involving the mouth, jaw, skin, or soft tissue. The fact that it did not respond to antibiotics and kept enlarging is why your veterinarian referred you to an oncologist.The good news is that the chest X-rays reportedly did not show obvious spread to the lungs, which is one of the first places many canine cancers metastasize. That does NOT automatically mean it is benign, but it is a positive sign.Here is what the oncologist will most likely do next:What The Veterinary Oncologist Will Likely Do1. Physical Exam And Review Of RecordsThe oncologist will:Review the bloodwork and X-raysExamine the cheek lump carefullyFeel lymph nodes under the jaw and neckLook inside Quincy’s mouth for:infected teethbone destructionoral tumorsgum massesjaw involvement2. Needle Aspirate Or BiopsyThis is the MOST important next step because nobody can know the treatment until they identify the exact tumor type.The oncologist may do:Fine needle aspirate (FNA)small needle removes cellssometimes done awakecheapermay not always give diagnosisORSurgical biopsysedation/anesthesiaremoves tissue samplemore accurateCommon tumors in this location include:Mast cell tumorSoft tissue sarcomaMelanomaSquamous cell carcinomaFibrosarcomaSalivary gland tumorOral cancer involving jawbone3. CT Scan (Likely)The CT scan helps determine:exact sizewhether bone is involvedif the jawbone is being destroyedif nearby lymph nodes are affectedwhether surgery is possibleThis is why sedation/anesthesia is usually needed.4. Staging“Staging” means determining whether the cancer spread.They may evaluate:lungslymph nodesspleenliverSometimes abdominal ultrasound is recommended if they suspect spread.Possible TreatmentsTreatment depends entirely on the tumor type and whether it spread.If It Is A Localized Tumor (Best Case)SurgeryThis is often the first recommendation.They may:remove the lumpremove surrounding tissue marginssometimes remove part of jawbone if oral cancerBoston Terriers often recover surprisingly well from oral surgery.Approximate CostSimple removal: $1,500–$3,000Complex oral/jaw surgery: $3,000–$8,000+If It Is Cancer But Has Not SpreadRadiation TherapyUsed when:tumor cannot fully be removedtumor is near important structuresCost$4,000–$8,000+ChemotherapyNot all dog cancers need chemo.Chemo is more common if:lymphomamast cell tumoraggressive/metastatic cancersDogs generally tolerate chemotherapy MUCH better than humans.Cost$200–$600 per sessionTotal often $2,000–$6,000+Palliative CareIf treatment is too expensive or cancer is advanced, the oncologist may offer comfort-focused treatment:pain medicationssteroidsantibiotics if secondary infectionanti-inflammatory medsappetite supportThis can still provide meaningful quality time.Estimated Costs You May FaceHere are realistic ranges in 2026:ServiceEstimated CostOncology consultation$150–$350Needle aspirate$150–$400Biopsy$500–$1,500CT scan with sedation$1,500–$3,500Surgery$1,500–$8,000+Radiation$4,000–$8,000+Chemotherapy$2,000–$6,000+Unfortunately, veterinary oncology becomes very expensive very quickly.Important Questions To Ask The OncologistWrite these down before you go:What type of tumor do you suspect?Is this definitely cancer or still uncertain?Is surgery possible?Has the jawbone been invaded?What is Quincy’s prognosis with treatment?What is the prognosis without treatment?What would YOU do if this were your dog?What are ALL expected costs before proceeding?Are there lower-cost alternatives?Can we do biopsy first before CT scan?That last question matters financially because sometimes biopsy results guide whether an expensive CT scan is worthwhile.One Very Important ThingDo not feel guilty for initially thinking it was a dental infection. Many cheek tumors in dogs look exactly like abscesses early on. Even veterinarians sometimes initially suspect teeth before imaging or biopsy.Also, “has not metastasized” is one of the better things you could have heard so far.If you want, I can also help you understand:which cancers are most common in Boston Terrierssurvival rates by tumor typelower-cost treatment optionsveterinary schools or cancer centers with lower pricingwhether CareCredit or nonprofit assistance programs may helphow to tell if the tumor is likely oral cancer versus infection based on symptoms and appearance
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My 7 year old 23 pound Boston Terrier has a swollen lump on one side of his cheek. This was a month ago when it startedI waited for the lump to heal and delayed taking him to the Veterinarian because I thought he had infection in his mouth such as infection on his teeth. Great appetite, gave him antibiotics, and hoped it would pop its skin and drain the fluid but did not work. Got worse. Took him to Westosha Animal Hospital. Blood test, X-rays, and a whopping bill of alcohol $700. Veterinarian says she couldn’t do anything and I had to take Quincy to a Oncologist due to the fact he has a tumor. The reason X-Rays were taken was to determine whether the tumor was malignant or benign. After reviewing the X-Ray, Dr. determined the cancer has not mesatisized which means spread throughout his entire body. She said it could spread his spleen and cannot determine without getting catscan. The cancer doctor would do the catscan under sedation. The Oncologist is a specialist and specializes in cancer. Can you please tell me what the oncologist may do, treatment he will apply, and most importantly the treatments being applied, and an estima8 costs? I ALREADY spent $700 which wiped out my bank account😚
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This frozen lobster 🦞 and frozen crab 🦀 legs looks absolutely 💯 delicious.
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Very basic but extremely important topic
https://gustancho.com/mortgage-loan-programs-with-no-overlays/
gustancho.com
Mortgage Loan Programs With No Overlays and 30 Day Closings
If you have open collections, high DTI, recent late payments you need to go with a lender that has mortgage loan programs with no overlays
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Here’s another page you may find informative
gustancho.com
GCA Mortgage | Mortgage Experts With No Overlays
Whether you have gone through bankruptcy, divorce or you are a first-time homebuyer, Gustan Cho Associates are experts in difficult loans
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Tim
The attached guide about types of mortgages should help you understand that there are multiple options for each individual mortgage loan borrower
https://gustancho.com/types-of-mortgages/
gustancho.com
Types of Mortgages | Traditional and Non-Prime Loan Options
Types of mortgages besides FHA, VA USDA, and Conventional loans include no-doc non-Prime loans for specialty borrowers for niche properties
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Tim, attached is an informed guide about the difference between mortgage brokers vs mortgage lenders.
https://gustancho.com/mortgage-brokers-versus-lenders/
gustancho.com
Difference Between Mortgage Brokers Versus Lenders
Consumers have lower rates and mortgage loan options with mortgage brokers versus lenders due to a lower yield spread premium cap at 2.75%.
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Yes, in many cases this structure can work, but only if the new company’s compliance or licensing team sets it up correctly in NMLS and each state allows that model.
Your idea is basically:
For the 19 states without distance-to-branch requirements:
- You and your MLOs can be sponsored under the corporate or home office in Los Angeles, as long as the company is licensed in those states and those states allow remote MLO supervision from a corporate or approved location.
For the 11 states with distance or physical-branch requirements:
- You may need a licensed branch office closer to the MLOs or within the required distance, like the 75-mile rule, if the state requires the MLO to be connected to a branch or supervised location within that range.
- NMLS confirms that a sponsored MLO must be connected to either the company headquarters or a branch location in NMLS, and that the company designates a company or branch location for each MLO relationship.
The Key Point
You are not actually “sponsored by corporate” and “sponsored by the branch” as if they are two different employers. You are sponsored by the licensed company, but the company can assign the MLO to either a corporate office or a branch office location in NMLS, depending on state rules.
So the answer is:
- Yes, potentially.
- You can assign your MLOs to the corporate office in states that allow it, and have a licensed branch in states that require closer physical office or branch supervision.
- This must be handled on a state-by-state basis.
Your Small Office Idea
Opening a small office can help, but only if it is properly licensed as a branch when required.
A small office should not be used as an address unless:
- The company approves it.
- The state allows that location.
- The branch is licensed or, if required, registered.
- The branch manager is properly listed in NMLS.
- The MLOs are properly assigned to that branch or supervised location.
- NMLS states that a branch is submitted through the Branch Form MU3 after the company MU1 is filed, and branch managers listed on the MU3 must have individual NMLS accounts and complete MU2 forms.
Be Careful With Remote Work Rules
Many states allow remote MLO work, but remote work does not always exempt MLOs from branch licensing requirements. Some states allow an MLO to work from home as long as the home is not advertised as a branch, no borrowers meet there, records are not stored there, and supervision/security rules are followed.
For example, North Carolina says a principal office or branch may not be located at an individual’s home, but an MLO may work remotely if records remain at the principal office or registered branch. (nccob.nc.gov)
This is the kind of detail you need to watch for. Just because remote work is allowed does not always mean there are no branch requirements.
The Biggest Risk In Your Plan
The biggest risk is assuming the Los Angeles corporate office can support every license just because the company is bigger.
That may be true in some states, but not in states with:
- 75-mile supervision rules
- In-state branch requirements
- Brick-and-mortar requirements
- Qualified branch manager requirements
- State-specific branch licensing
- Restrictions on remote origination locations
- Requirements that files and records remain at licensed locations
Some states may reject the sponsorship or put the MLO license in an inactive or deficient status if the company location or branch relationship does not meet state requirements.
For example, Wisconsin explains that if sponsorship is removed or the company is not licensed, the MLO license becomes approved-inactive, and the individual cannot conduct business until sponsored by a licensed company.
Important Transition Issue
When you change companies, your licenses do not just “transfer” as many people think. The new company must create the NMLS relationship and sponsor your licenses. NMLS describes the sponsorship process as access, relationship, and then sponsorship.
Temporary Authority may help in some cases, but it comes with strict requirements. NMLS says the MLO must usually have been registered for one year or licensed for 30 days before applying, cannot have a break in service of more than 14 days, and must be a W-2 employee of the state-licensed company in the application state.
Practical Answer For Your SituationThe cleanest structure is usually:
- Corporate sponsors you and your 10 MLOs in the states with no branch-distance problem.
- This works if the company is licensed in those states and the state allows remote or corporate location supervision.
- You open or maintain a licensed branch for the states with distance, brick-and-mortar, or branch-supervision rules.
- That branch should be licensed in the required states and connected to the correct branch manager.
- Your MLOs are assigned in NMLS to the correct supervised location.
- For some states, that may be corporate. For others, it may need to be your branch.
- Do not rely on just one Los Angeles office for every state until compliance confirms each state.
- California corporate home office may be allowed in some states and not allowed in others.
My RecommendationBefore moving, ask the new company’s licensing department for a written state-by-state transition matrix showing:
- Which of your 30 states can be sponsored by the corporation
- Which states require a licensed branch
- Which states have 75-mile or distance rules
- Which states require a brick-and-mortar office
- Which states require a branch manager or a qualified individual
- Which states allow remote work without branch licensing
- Which licenses can use Temporary Authority
- Which licenses may go inactive during the transition
Your plan can work, but only if the new company has the licensing setup to support both models: corporate sponsorship, where allowed, and branch-based sponsorship
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