Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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Here’s a dog park and hiking trail three miles from my house. I can check it put next week or the following week. Old Settlers Park is the name of the Dog Park.
https://www.kenoshacountywi.gov/1656/Old-Settlers-Park
kenoshacountywi.gov
Old Settlers Park | Kenosha County, WI - Official Website
Old Settlers Park | Kenosha County, WI - Official Website
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My wife took couple of pictures of my Big Man Chase. He’s two years old and is still growing. He’s bulking out and getting heavier.
The last picture is a picture of Skyar on my bed. She’s getting heavier and bigger too.
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Chase, Skylar, and Bailey.
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How do you potty train Skylar and Bailey, 14-month-old German Shepherd dogs? They are rescue dogs and have no clue that outside means to go potty. Let the two out, and they run and play for a long time. I call them in, and within fifteen minutes, they pee and poo in the house.
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Bailey: Our Beautiful Long-Haired German Shepherd’s Journey
Meet Bailey: Our Floppy-Eared Beauty.
The newest member of our family is Bailey, a striking, long-haired German Shepherd whose beauty steals the spotlight. She recently turned one and celebrated her birthday on January 25, 2025. We adopted Bailey when she was 14 months old and welcomed her to the family with her siblings, Skylar and Chase. Bailey is lovingly nicknamed Floppy due to her floppy ears, which is unusual for a German Shepherd, as most have pricked ears.
Bailey is special not just for her ears but also for her cheerfully spirited personality. Although she has a gentler and more timid side, she is overly skittish with people, even more so than her sister Skylar, whom we consider quite fearful. Progress is promising as she starts interacting with our dogs, including Chase and Skylar, who have welcomed her to playtime.
The Unique Beauty of Bailey and Other Long-Haired German Shepherds
German Shepherds with long hair, like Bailey, have a recessive gene that gives them gorgeous coats. Long-haired German Shepherds are just as intelligent, loyal, and protective as their standard-coated counterparts, but these stunning dogs have some differences:
- Shed Season: They usually shed heavily twice a year instead of continuously.
- Temperature Control: Provides extra insulation for cold weather.
- Magnificent Coat: Their longer fur creates stunning feathering around the ears, legs, quarters, and tail.
- Grooming Needs: To prevent matting, they require more brushing (2-3 times once a week).
Bailey is not recognized in some show rings. Still, long-haired German shepherds and other long-haired German shepherds are extraordinary due to their considerate and gentle personalities. The German shepherd’s flowing coat only adds to her one-of-a-kind look, and her unusual ears make it more remarkable.
Reasons for Shyness in German Shepherds
Bailey’s over-the-top shyness is a common trait in German Shepherds. This breed can develop fearfulness due to the following:
- Not enough interaction during critical periods: There is a lack of exposure to people, places, and scenarios during formative years.
- Genetics: Bailey’s breed may predispose her to a more apprehensive personality.
- Trauma: Negative experiences can lead to debilitating phobias.
- Low self-esteem: Dogs may become insecure without encouragement and successful task attempts.
Her extreme caution shows Bailey’s skittishness around people. Like her sister Skylar, who is skittish but less severely, Bailey requires patient, consistent support to build her confidence. That she is starting to play with her canine siblings suggests she is forming or has positive relationships.
Gentle Training Techniques for Dogs with Fears
We haven’t started working with Bailey yet because of her fearfulness, which is quite reasonable. With very sensitive dogs, rushing training worsens things and escalates fear. When we do start, we will try these strategies:
- Creating a safe zone: Set a calm location Bailey can go to when she needs to recharge.
- Using positive reinforcement only: Praise, treat, and play to encourage even the tiniest steps towards brave behavior.
- No punishment: Take away negative outcomes, as this will only heighten fear and damage trust.
- Be patient. Slowly work on Bailey’s training so progress only happens on her set timeline.
- Keep sessions short: Engage with Bailey in brief, friendly interactions to help her relax and form positive associations.
We’ll formulate a schedule for potty training, set high-value rewards for successful tasks, and respond neutrally to mistakes. The goal is to help Bailey feel safe enough to learn.
Socialization: Bailey’s Milestones with Her Dog Family
Bailey has been making remarkable strides by allowing herself to play with Chase, Skylar, and the other dogs. This form of interaction is important for the following reasons:
- Learning appropriate dog behavior—social dogs usually help calm nervous dogs.
- Building confidence—Positive play experiences create successes that help transfer to other situations.
- Decreasing isolation—social connections lessen stress and anxiety.
- Creating positive associations—associating new experiences with good outcomes and fun with other dogs.
While being careful not to burden Bailey with excessive showing off of her progress through pictures and videos, we always try to strike a balance respecting her sensitivity. This thoughtful approach illustrates an understanding of her needs.
Reflecting on the Progress Made and Looking Ahead
At just 14 months old, Bailey is particularly young, with ample time to work through her fears. German Shepherds usually fully mature around 2-3 years, so her personality is still maturing. To see her engaging in play with her canine siblings is remarkable and speaks to her ability to bond and feel secure in some situations.
In our sessions with Bailey, we will concentrate on the following goals:
- Trust building: Forming positive interactions that are consistent and reliable.
- Comfort zone expansion: New introductions paced to her speed.
- Celebrating small victories: Notable incremental progress recognition.
- Patience maintenance: Allowing movements in a step-and-repeat manner in her journey toward progress.
We’re excited to share new developments about Bailey. Whether her ears will someday flop—like Skylar’s do in cold weather—is irrelevant. What matters is that they add the je ne sais quoi that makes her Bailey—our beautiful and sensitive girl who reminds us about patience, understanding, and the joy hidden in small victories.
With gentle guidance and endless love, patience, and time, we’re certain Bailey will continue to bloom in her way and time. After all, the journey with our furry family members is not about perfection but connection, growth, and unconditional love.
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This reply was modified 1 year, 2 months ago by Gustan Cho.
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Meet Bailey
Our Long-Haired Female German Shepherd Dog
Hello and welcome to the blog! We hope to introduce you to Bailey, our cute, long-haired female German Shepherd Dog whom we call “Floppy.” She just turned one year old on January 25, 2025, and is now 14 months old. She is a fantastic new family member and has effortlessly won our love. Unfortunately, she was rescued and is still not potty trained, so I need to work on her housebreaking seriously.
Bailey was born with unique features such as her long fur and floppy ears. Her especially distinctive floppy ears set her apart from her sister, Skylar, who is just a year old and gaining her confidence. Skylar, too, is not housebroken. She is much more timid than the rest of her family; twins and most pups are both skittish, but for now, it takes two to ten brimming with excitement to change her views.
Timidity Modification
Like her sibling Skylar, Bailey is incredibly timid and has yet to master the potty skill. We are refraining from a formal training approach because Bailey easily gets nervous, especially with strangers. Positively, we have noticed some changes recently. For one, Bailey has started engaging with Chase, Skylar, and the rest of the dogs, demonstrating incredible comfort and confidence. Witnessing her interact with her siblings and feeling more secure in her environment has been reassuring.
Giving Her Space
We remain dedicated to gently walking Bailey through her fears. Although we are a bit more guarded about taking videos and pictures to create a less intimidating environment for her, we are still excited to present her milestones. Every single one of her small strides is, without a doubt, a win. She will prosper with time and patience and unconditionally help Bailey.
Keeping You Updated
As Bailey gets more adjusted and self-assured, we will share additional photos and video snippets of her. Her journey is so special; we can’t wait to share it with you. Thank you for being a part of our journey with Bailey. We will keep you updated!
Even though Bailey is a little shy, she is already stealing the hearts of our family. Cheers to her growth journey and the happiness she brings to our home! I attached a few pictures of Chase, Skylar, and Bailey. Chase is two years old and still growing.
Bailey is still very skittish with me but not with my wife. She goes by her and has gained her trust. I will keep you updated.
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My friend Bill Burg and my executive, Marga Jurilla, are the experts on the Dually Licensed Realtor and MLO BDM partnership program. From my understanding, here is the BDM dually licensed realtor and loan officer program.
The Dually Licensed Realtor and Mortgage Loan Originator (MLO) Business Development Manager (BDM) career program is a groundbreaking strategy that integrates the positions of real estate agents and mortgage loan originators. This program allows specialists to capitalize on both professions’ possibilities and fully service a homebuyer to maximize revenue. Here’s what the program entails in-depth:
BDM Dually Licensed Real Estate Agent and MLO Program Overview
Dual Licensing:
- Real Estate License: The candidate must already be a real estate agent and hold an active license.
- NMLS License: To participate in the program, the real estate agent must obtain an NMLS (Nationwide Multistate Licensing System) license from at least one state, which enables them to originate mortgage loans.
Partnering with an MLO:
- The real estate agent forms a partnership with an NMLS-licensed loan officer.
- This partnership is crucial as the loan officer will perform the mortgage origination activities, including underwriting, approving, and closing.
- The real estate agent decides which loan officer to partner with and chooses the best fit for them.
Compensation Structure:
- Real Estate Commission: The real estate agent receives his commission as normal from the property sale.
- Mortgage Loan Origination Commission: In addition to the real estate commission, the estate agent receives a commission for mortgage loan origination, greatly increasing the agent’s revenue.
Role of the Real Estate Agent:
- The owner of the agency is the one who can do what the agent does.
- I do the property searching, negotiating, and closing.
- He is in charge of sending customers to his partner loan officer so that the customer can smoothly move from purchasing the property to acquiring the mortgage.
Role of the Loan Officer:
- The loan officer oversees all mortgage activities, from pre-qualification to closing.
- The loan officer coordinates with the real estate agent to determine how the financing would complement the purchase, creating a better experience for the homebuyer.
Benefits of the Program
Increased Earning Potential:
- Those considering engaging in real estate would find earning commissions from the real estate transaction and the mortgage loan origination attractive.
Comprehensive Service:
- It can streamline processes for homebuyers, as they have their real estate and financing needs handled by a single team.
Career Development:
- The program supports advancement as real estate agents acquire new mortgage origination skills and certifications.
Business Networking:
- Collaboration with loan officers can enhance a real estate agent’s professional network, resulting in additional referrals and new business ventures.
Requirements and Considerations
NMLS Licensing:
- Applicants for an NMLS license must complete pre-licensing education, pass the national and state examinations, and submit to a background check.
Continuing Education:
- Practical Real Estate and Mortgage Licenses require continuous knowledge updating to remain relevant to industry standards.
Regulatory Compliance:
- The program must adhere to state and federal real estate and mortgage lending regulations.
The Dually Licensed Realtor and MLO BDM career program enables real estate agents to diversify their offerings and enhance their earning potential. Partnering with a licensed loan originator and NMLS certification allows real estate agents to deliver an integrated, hassle-free service to home buyers while expanding professional opportunities and maximizing financial benefits.
https://gustancho.com/dually-licensed-realtor-and-mlo/
gustancho.com
Dually Licensed Realtor and MLO Career Opportunity
Dually Licensed Realtor and MLO are licensed real estate agents co-partnerning with experienced licensed loan officers representing same client
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That is a GREAT QUESTION, Chad. Let me have The King, Bill Burger-King respond to this question. I need to get familiar and an expert on the Dually Licensed Realtor and MLO BDM career opportunity.
Mr. Whopper, can you please answer this important question. Thank you Bill Burg.
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Nexa Mortgage’s unique program sets it apart. It allows state agents to become dually licensed as agents and mortgage loan originators (MLOs), increasing the value of their businesses by offering additional services to clients.
Here’s how it usually goes:
Nexa Mortgage works with real estate agents by paying them commissions for providing leads using the Dually Licensed Realtor and MLO Program. This program has its advantages for both parties.
Agents will be glad to know they can now obtain a mortgage loan originator license, which means they can assist clients with buying/selling properties and securing the necessary financing.
Agents, load yourself with mortgage services and earn commissions from real estate transactions and loan origination. They have the opportunity to earn double their income!
With this program, Nexa Mortgage is willing to train and support real estate agents to understand compliance, mortgage processes, and products within the company.
Real estate agents can gain access to a wide range of tools, products, and resources, including mortgages, to serve clients better.
Within the program, rest assured agents are provided with marketing tools that they can use to advertise their services exercised in tandem.
By offering real estate and mortgage services, Nexa Mortgage can deal with smoother transactions because agents only have to deal with one company.
Perks for Agents
Keeping Clients: Agents retain clients who maintain a business relationship with them because they offer more services.
Submission of Unlicensed Competition: Dually licensed agents can service real estate and financing clients, making them stand out.
Flexibility: Agents can operate independently and still receive help from a bigger mortgage company.
Nexa Mortgage’s dual-licensed realtor and MLO program allows real estate agents to enhance their service offerings and greatly increase revenue opportunities. Agents wishing to enroll in this program should use the available training and resources to prepare for the two fields.
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