[Lisa Jones]

You can contact National Faith Homebuyers directly and ask for their lender list through their main office numbers or contact page. Their contact page lists Detroit/Westland at (313) 255-9500 and Atlanta at (678) 553-3770, and their site also says you can fill out the contact form for more information.

Best way to ask

Say something like: “I’m looking for the approved lender list for National Faith’s down payment assistance program. Which lenders or loan officers can I use?” Their DPA page says the loan must allow secondary financing, so asking for the lender list is the right next step.

Contact details

• Detroit: (313) 255-9500.

• Westland: 313.255.9500.

• Atlanta: (678) 553-3770.

• Tampa: (656) 207-9550.

Website option

You can also use the “Contact Us” page or their program pages, where they direct people to call or submit a contact form.

If you want, I can draft a short call script or email you can send them to request the lender list.

nationalfaith.org

Down Payment Assistance Program | National Faith Homebuyers

Down Payment Loan | Forgivable After 5 Years | 0% Interest | Partnered with Michigan State Housing Development Authority | Contact for More Information

[Lisa Jones]

This guide provides clear, professional information on home purchasing and mortgage options.

Home Purchase and Mortgage Options in New York

Purchasing a home in New York involves both opportunities and challenges. Prices, taxes, closing costs, and loan requirements differ across regions such as New York City, Long Island, Westchester, and upstate. Understanding the home-buying process and available mortgage options is essential before making an offer.

Start by reviewing your finances, including credit history, debts, income, and savings, to determine affordability. Get mortgage pre-approval before viewing properties to set a realistic budget and address financial issues early. With a defined budget, you are ready to make an offer. New York homebuyers have several mortgage options. Conventional loans suit those with strong credit and may allow down payments as low as 3 percent. Larger down payments can lower monthly costs and improve loan terms. FHA loans are popular with first-time buyers because of their flexible credit and down payment requirements. VA loans offer up to 100 percent financing with no down payment for eligible veterans and active-duty military. Jumbo loans are common for properties above standard loan limits and require higher credit scores and larger down payments. Assistance programs, such as those from the State of New York Mortgage Agency (SONYMA), provide down payment assistance and low-interest mortgages. The HomeFirst program in New York City offers down payment and closing cost assistance in all five boroughs. Additional support may be available through local grants or lenders, depending on income, property location, and property type.

After your offer is accepted, the mortgage process moves to final approval, appraisal, and underwriting. The lender reviews your income, assets, credit, and property details. Be prepared for closing costs, including lender, title, and recording fees, as well as prepaid expenses like insurance and property taxes. These costs are often high in New York, so early financial planning is important. Choose a mortgage product that fits your long-term financial goals. Fixed-rate mortgages offer stable monthly payments. Adjustable-rate mortgages may suit those planning to move or refinance soon, though they carry the risk of rising interest rates. Buyers of higher-priced homes will likely need Jumbo financing.

Prospective buyers in New York should compare loan products and choose lenders familiar with the local market. Selecting the right loan and using down payment assistance can improve affordability. A well-planned financing strategy increases the chances of a successful and efficient home purchase, whether it is your first home or a subsequent move.

This content can also be adapted into:

• a concise version suitable for a forum post,
• a more fully optimized blog article, complete with an SEO-focused title and meta description.

[Lisa Jones]

Homebuyers in Pennsylvania have many different housing options to choose from, each with its own special appeal.

Affordability: Home prices and property taxes are lower in Pennsylvania than in nearby states, so buyers can get more for their money and afford the home they want.

Geographic Variety:

Pennsylvania offers everything from busy city life in Philadelphia and Pittsburgh to quiet farmland, scenic mountain towns, and welcoming places like Lancaster and Gettysburg. There is something for every lifestyle.

Strong Job Market:

Pennsylvania offers jobs in healthcare, education, finance, and manufacturing. Philadelphia and Pittsburgh both have strong economies, and Pittsburgh is especially known for technology jobs. Top-Tier Education: The state is recognized for its excellent public schools and respected universities, which draw professionals and families.

Rich History and Culture:

Pennsylvania has top museums, a lively arts scene, and a long history as one of America’s first colonies.

Central Location: Pennsylvania’s location along the I-95 corridor makes it easy to reach New York City, Washington, D.C., and Baltimore for work or fun.

Distinct Seasons:

Residents enjoy all four seasons, from colorful fall leaves in the Pocono Mountains to warm summers and snowy winters perfect for skiing.

No Taxes on Retirement Income:

Pennsylvania is a popular choice for retirees because it does not tax Social Security, pensions, or withdrawals from retirement accounts. This helps people keep more of their savings.

With all these benefits, Pennsylvania is a welcoming place for first-time buyers, growing families, retirees, and anyone looking for a lively place to call home.

[Lisa Jones]

This section looks more closely at Nick Gerli’s views on the coming 2026 housing crisis, breaking down ideas from the GCA Forums post and the strong debate it started.

2026 Housing Crisis: Unprecedented Decline in Housing Demand

On February 19, 2026, a GCA Forums post shared a podcast and video featuring housing analyst Nick Gerli, CEO of Reventure Consulting. Gerli is known for his critical analysis of the decline in home-buying demand in the United States.

Assessment of Current Housing Demand: How Bad Is Demand?

By mid-March 2026, the Reventure Housing Demand Index dropped to just 11 out of 100, the lowest ever for the company. Demand is now even lower than it was during the 2008 to 2012 housing crash. Home sales have fallen 42% from their pandemic peak. With fewer people searching for homes online, the market may only recover if there are a lot more homes for sale and prices fall sharply.

Factors Contributing to Reduced Buyer Activity

A sharp decline in buyer sentiment is the main factor. Now, 78% of Americans believe it is a poor time to buy a home, compared to the usual 30%. The current home value-to-income ratio is approximately 4.6, a level previously observed only during the 2006 housing bubble (4.4) and the post-World War II period. Gerli stated, “The U.S. has never sustained a housing market that is this expensive relative to people’s incomes.”

Many Americans Are Priced Out of The Housing Market

Gerli says that today’s home prices are much higher than people earn or than prices in general have gone up. Even after adjusting for inflation, prices are now higher than they were during the 2006 bubble. Buyers want homes for about $350,000, but most homes for sale are closer to $500,000, which keeps many people from buying.

Housing Prices In Certain States Are Starting To Drop

At the same time, states like Florida, Texas, and Arizona are seeing prices drop as the number of homes for sale reaches the highest level in ten years. Cities like Austin, Phoenix, and Tampa have seen the biggest drops, with prices falling 10 to 25% from their 2022 highs. While Austin is getting closer to a fair price, most places are still too expensive, and prices are still going down. Over the past year, prices have dropped 9.9%, the largest yearly decline since 2009, driven by higher HOA fees, rising insurance costs, and too many homes staying on the market for more than 9 months.

Potential Solutions

According to the GCA Forums discussion and Gerli’s analysis, two main strategies support market recovery in overbuilt Sun Belt markets:

• Lowering mortgage rates to enable median-income buyers to re-enter the market
• Reventure’s latest forecast expects that home prices across the country will change very little, by about 0.2% up or down, or stay the same through February 2027.
• Early numbers suggest that home sales in March and April 2026 could be the lowest on record, except for the pandemic lockdowns.
• Prices need to come down, and wages need to go up before buyers feel confident and the market returns to normal.

Conclusion

This time is a major change in U.S. housing history, with some signs of demand now worse than in 2008. The GCA Forums discussion highlights ongoing problems: very high prices, stubbornly high mortgage rates, and buyers waiting rather than buying. For now, the market seems stuck in a long slowdown.

https://www.youtube.com/watch?v=6fQxDgqmfOo

[Lisa Jones]

ITIN loans allow people who use an Individual Taxpayer Identification Number instead of a Social Security Number to obtain mortgages and some personal or auto loans.

People who have to file U.S. taxes but cannot get a Social Security Number can apply for an ITIN from the IRS. Non-citizens, immigrants, foreign nationals, and their dependents use ITINs, no matter their immigration status. An ITIN is only for tax purposes and does not give you legal residency, work permission, or other immigration benefits.

Every ITIN Starts With The Number 9.How to Apply for an ITIN Loan

ITIN loans are mortgages for people who do not have Social Security Numbers. Private lenders, some mortgage companies, credit unions, and a few banks offer these loans. They are not connected to government programs like Fannie Mae, Freddie Mac, or the FHA. The application process is similar to a regular mortgage, but you use your ITIN instead of an SSN.

1. To qualify, you must have a valid ITIN.
2. Lenders mostly want to know whether you can repay the loan, not your immigration status.
3. The IRS updates ITINs as needed, and each lender may have different requirements.
4. In 2026, you will likely need to provide documents such as bank statements or tax records.

U.S. Tax Returns:

• You usually need at least two years of tax returns filed with your ITIN to show steady income.

Debt Reserves:

• You will need to provide proof that you have sufficient cash reserves.

Down Payments:

• Expect to pay 10 to 25 percent or more up front, which is higher than usual.

Credit History:

• Some lenders check credit built with your ITIN or use other ways to review your finances, so you may not need a regular credit score.

Financial Institutions Offering ITIN Loans

If you are interested in an ITIN loan, look for lenders who specialize in them. Well-known options include Gustan Cho Associates, Lending Network, Inc., PNC Bank, and Chase Bank.

• In 2026, you can also find more choices on financial comparison sites like GCA Forums Wholesale Lender List.
• Be prepared to provide all required paperwork, including your ITIN, tax history, and proof of finances.
• Lenders look at your tax history and finances before deciding.
• With ITIN loans, each application is reviewed individually, and lenders often closely review your paperwork, steady income, and financial history.
• As a result, you may face higher rates or stricter rules as lenders try to reduce their risk.ct themselves.

What Type of Property Can You Buy With ITIN

You can use ITIN loans to buy a main home, a second home, investment properties, or to refinance. Like any loan, there is some risk, but making payments on time can help you build credit. In 2026, the future of ITIN loans remains uncertain, especially amid changing deportation rules. However, as of March 2026, private lenders are still offering ITIN loans, and many mortgage guides are helping people get them. There is no federal rule stopping private ITIN mortgages.

Updated ITIN Loan Policy Changes

Some recent policy changes have removed the ‘non-permanent resident’ category, but these do not affect private ITIN loan programs.

• The new rules let lenders consider how permanent your immigration or residency status is when deciding whether you are a credit risk.
• This is including whether you might have trouble paying if you have to leave the country.
• Because of this, some lenders are more cautious and may require more paperwork or security.
• ITIN borrowers may face stricter rules, depending on each lender’s risk assessment.
• These rules do not apply to personal mortgages
• It’s mostly about your ability to repay, not your immigration status.
• Many ITIN holders have legal visas or have lived in the United States for years and file taxes regularly.
• Even some undocumented immigrants may qualify if they can show steady work and a clear tax history.
• If you are considering an ITIN loan, look for lenders who focus on these products, especially credit unions and non-QM companies, and always check the latest requirements.
• In Texas, and especially around Dallas, online mortgage brokers can help you find the right ITIN loan program.

https://gustancho.com/itin-mortgage-loans/

gustancho.com

No SSN? ITIN Mortgage Loans Can Help You Own a Home

Homebuyers can use their individual taxpayer identification number without their social security number to qualify for ITIN Mortgage Loans.

[Lisa Jones]

Thank you for your feedback. You raised several important questions. Below, I address each point, clarify key considerations, and introduce additional questions for further evaluation.

Your Questions, Clarified and Expanded

How Net Branch Mortgage Managers Are Compensated. Inquire not only about the pay structure but also request a detailed example illustrating how gross lender-paid compensation is converted into your net take-home pay. Identify all company deductions applied before any splits.

Determine whether there are production requirements and whether the revenue programs are mandatory or optional. Verify the maximum compensation a loan officer can earn per loan and whether any caps exist.

Ask if compensation is available in both lender-paid and borrower-paid scenarios. Confirm the timing of payment after closing and whether payments are disbursed per loan or on a monthly basis. Finally, clarify the implications of paying off a loan early or of lender penalties applying.

Self-Generated Leads Versus Branch Leads

Determine whether the company provides leads, their costs, and sources. Ascertain if leads are exclusive to you or shared. Clarify ownership of leads and the client database if you leave. Identify any restrictions on independent marketing or requirements to use company materials. Inquire about collaborating with real estate agents or builders and the compliance procedures for such partnerships. Request written documentation for all terms before signing.

Request a comprehensive list of all branch-related fees, including administrative, compliance, errors and omissions insurance, bookkeeping, training, background checks, wire, NMLS processing, CRM, point-of-sale, and technology fees.

Determine whether these fees are assessed per loan, per month, or per loan officer, and whether they increase as your team grows. Ask if any fees exceed the company’s actual costs, which may indicate profit from overrides. Confirm if there is a minimum production requirement.

Mortgage Net Branch Operatibg As A DBA Of The Parent Company

Determine whether the company permits operation under a doing business as (DBA) name distinct from its corporate name. Clarify if prior approval is required, the approval process, and any guidelines or restrictions on permissible words or phrases. Establish who is responsible for filing the DBA and the associated costs at both the state and county levels.

Confirm whether the DBA will appear on business cards, marketing materials, websites, and loan documents, and whether the company’s name will also be displayed.

Inquire about the ownership and continued use of the DBA if you leave the company. Determine whether pre-approval or firm vetting is necessary. Clarify quality control and compliance oversight for processing, including responsibility for processor errors. Ask if the company recommends a processing partner and whether any contractual obligations or financial incentives exist for using that partner, as this may present a conflict of interest.

Hiring Your Own Processors, LOs, Assistants, and Marketers

Determine whether you may hire your own processors, loan officer assistants, and marketing assistants, or if company approval is required. Inquire about licensing requirements for these roles and whether the company provides financial support for licensing. Clarify whether your staff will operate under your company’s Employer Identification Number (EIN) or the company’s EIN. Assess liability and workers’ compensation coverage for your team. Identify any restrictions on the content your marketing staff may create or distribute on your behalf.

Engaging an Overseas Virtual Assistant Company

This is a key compliance question that is often missed. Ask if the company allows overseas virtual assistants in mortgage operations. Find out if there are tasks overseas VAs cannot do because of confidentiality, state licensing, or federal rules. Since VAs handling nonpublic personal information can create compliance risks under the Gramm-Leach-Bliley Act, ask if the company has a policy on overseas contractors and if your VA company needs a business association.

Confirm if there are NMLS-related restrictions on overseas staff performing specific functions. Clearly define the responsibilities of your virtual assistant team and seek explicit approval from the compliance officer for those tasks.

Ask about the costs and logistics if you need two assistants at once. Also, ask what happens if the net branch company gets licensed in Illinois, and if your contract would require you to move your Illinois business under their company.

Engage a qualified mortgage attorney in Illinois to review any contract prior to execution. This ensures that no provisions inadvertently restrict your business operations within the state.

Other Important Questions You Should AskThe Agreement And Termination Conditions

Clarify the duration of the initial contract phase and whether it renews automatically. Determine the required notice period for termination, specifying whether it is 30, 60, 90 days, or another timeframe.

Ascertain the existence and scope of any non-solicitation agreement, including whether it restricts the transfer of loan officers, employees, referral partners, or customers.

Confirm the presence of a non-compete agreement and whether it is governed by your state’s laws. Identify the financial consequences of early termination. Clarify the status of loans in your pipeline upon providing notice and whether continued use of the company’s system is required for pipeline management after notice is given.

Compliance and Licensing Supervision

Determine who holds the mortgage broker or lender license for your branch in each state. Clarify whether you will operate under the company’s license or require your own in certain jurisdictions. Identify who is responsible for loan officer license renewals and continuing education. Inquire about the process and frequency of compliance audits. Establish procedures for managing regulatory complaints against your branch and for handling legal defense. Confirm the availability of a dedicated compliance officer for ongoing inquiries.

Insurance Protection

Inquire about the company’s errors and omissions insurance, including coverage limits and whether it extends to your branch and loan officers. Determine if you are required to obtain separate coverage. Ask about the necessity of fidelity or surety bonds and the party responsible for payment. If you maintain a physical office, confirm whether general liability insurance provides adequate protection.

Accessibility of Lenders and Available Products

Determine the number and identity of approved wholesale lending partners. Verify whether any of your current lenders are excluded, and the process for adding them. Inquire about the existence of preferred lenders, associated incentives for directing business to them, and the disclosure of such incentives to borrowers. Ensure that your branch can offer the full range of required loan products, including conventional, FHA, VA, USDA, jumbo, non-QM, renovation, reverse, and construction loans.

Technology Platform

Inquire about the loan origination system utilized by the company and whether it aligns with your prior experience. Determine the availability of a point-of-sale system for online applications and document collection. Ask about the functionality of the pricing engine and access to real-time lender pricing. Confirm the CRM system’s compatibility with your existing tools or virtual assistant arrangements. Establish whether the technology platform is developed in-house or relies on established third-party solutions. Finally, request information regarding training, support, and the onboarding process for the technology platform.

Training and Support

Clarify the onboarding support structure for new branch managers and their teams. Determine whether your branch will have a dedicated account manager or support contact. Inquire about the process for addressing compliance questions, including the designated contact for complex loan scenarios and expected response times. Additionally, ask about the availability of training webinars, mastermind groups, or other resources to support ongoing education for loan officers.

Ownership and Equity

Inquire about opportunities for ownership within the company and whether revenue or profit-sharing arrangements can result in an ownership stake. Determine if the revenue share plan includes a vesting schedule that mandates a minimum tenure before full vesting. Additionally, clarify the disposition of your revenue share if you depart prior to full vesting.

References

Request references from current branch managers who operate brick-and-mortar profit and loss (P&L) branches similar to your intended model. Do not rely solely on references from top producers or corporate staff. Seek to engage with managers who have been with the company for at least two to three years and can provide candid feedback regarding daily operations, organizational strengths, and areas for improvement. Consider reluctance to provide such references as a potential warning sign.

One Final Piece of Advice

Do not sign any agreement until it has been reviewed by a reputable mortgage industry attorney. While this may incur additional costs, it is a prudent investment. Although the preceding questions are valuable, the best way to protect yourself and your team is to ensure all commitments and agreements are clearly documented in the contract.

[Lisa Jones]

This guide is organized into clear, easy-to-read sections.

NEXA Lending and Mortgage Net Branch vs. Independent Broker: The Definitive Guide NEXA Lending: The Actual Numbers

Understanding the compensation structure is key. The “100%” pay offer can be misleading. While the main rate is 275 basis points, NEXA keeps 25 and puts 30 into the revenue pool, so you actually get 220 basis points. The “100%” only applies after NEXA takes its 55-basis-point share. Make sure to consider this before deciding.

Cost Of Running a Mortgage Net Branch

Running a physical branch at NEXA is a lot like managing your own small business, except you use the NEXA brand. As a branch manager, you cover all the expenses. Here are some key budget points and financial details to keep in mind.

Most branch managers pay their loan officers between 100 and 160 basis points, depending on experience. New hires usually get 100 to 120, mid-level officers get 130 to 150, and top performers get 150 to 160 or more if they hit their goals.

Profits can go down quickly. For example, if you start with 220 basis points and pay an experienced officer 140, you’re left with only 80 for everything else: rent, salaries, technology, compliance, marketing, insurance, your own pay, and office costs. On a $350,000 loan, that’s just $2,800 to cover all expenses. Depending on your branch’s volume and spending, that money can run out fast.ent alone can range from $2,000 to $6,000 a month, depending on your space and location.

Payroll And Expenses In Running A Mortgage Net Branch

A full-time receptionist costs $3,000 to $4,500 per month, plus taxes and benefits. High-volume branches may need several loan processors, each costing $4,000 to $7,000.

A loan officer assistant adds another $3,000 to $4,500. If you want to grow, budget $1,000 to $5,000 for marketing, especially for digital ads or mailers. Errors and omissions insurance is $200 to $600 per month.

Licensing and compliance fees are $300 to $800, utilities $300 to $700, and accounting or bookkeeping $300 to $800. Remember to keep reserves for slow months, compliance issues, or staff changes. These costs can change each month. A small office with a limited team usually costs $15,000 to $30,000 per month, not including your own pay. personal compensation.

Payroll Taxes Associated with W-2 Employees

If you’re used to working as a 1099 contractor, hiring W-2 employees brings new expenses. Besides base pay, you have to pay Social Security and Medicare taxes at 7.65%, Federal Unemployment Tax at 0.6% for the first $7,000 of wages, and State Unemployment Tax between 1% and 5%. These are all extra costs for you as the employer.

For example, if your processor earns $55,000 a year, payroll taxes add another $4,500 to $5,500. If you hire three or four W-2 employees, you’ll pay $15,000 to $22,000 more each year just in payroll taxes. Many branch managers forget to include these costs when making their budgets.

The Truth About Junk Fees

Hidden fees in the net branch world are a real concern. Many agreements include technology fees of $50 to $300 per loan officer each month, compliance and audit fees of $100 to $500, and accounting fees of $100 to $400, plus your own bookkeeping costs. Parent companies often charge higher premiums for errors and omissions insurance. Add in fees for training, marketing tools, and admin services, and your monthly costs can reach $500 to $1,500 per loan officer. As your team grows, these expenses go up too.

Closing A Branch With A $3 Million Production Volume

Suppose your branch closes $3 million a month, which is about 8 to 10 loans at $350,000 each. At 220 basis points, that’s $66,000 in revenue. If you have three loan officers, each earning 140 basis points, their total pay is $126,000—almost double your revenue before you pay any bills. Unless you increase your volume, it’s tough to offer good pay and cover office costs with just 220 basis points.

Most successful branches need $8 million to $15 million or more in monthly business, or they have to pay loan officers at the lower end of the pay range.

This makes it hard to attract and keep top talent. Some managers keep things small, with small teams, remote processors, shared assistants, and by handling much of the branch’s work themselves. It’s a tough path that can slow your growth.

C2 Financial

C2 Financial is one of the largest mortgage brokerages in the country and offers net branch options with different compensation structures. They give you access to many lenders and strong support, which is helpful if you want the backing of a big company. As with NEXA, make sure to review C2’s deductions, fees, and your actual take-home pay. The headline numbers rarely tell the full story.

Barrett Financial

Barrett Financial stands out in the net branch space, especially if you focus on non-qualified mortgages or investor loans. If your clients are self-employed, real estate investors, or have unique financial profiles, Barrett could give you an edge.

Their net branch terms are flexible and negotiable, depending on your contract and production. On the other hand, offers strong compensation splits, making it a good choice for high-volume originators who want to earn more per loan.

Barrett Financial provides advanced technology but less hands-on support than bigger net branch firms. This setup works best for experienced, independent loan officers who can handle most administrative tasks independently.

Edge Home Finance

Edge Home Finance is another big name in the net branch world. No matter which provider you look at, always ask for a detailed, itemized list of all fees before you sign anything. This way, you’ll know exactly what your net compensation will be after deductions. Edge Home Finance is a great fit for experienced originators who are ready to go independent. As an independent broker, you own your business, build direct relationships with lenders, and keep all lender-paid compensation after your expenses. There are no corporate overrides, revenue shares, junk fees, or hidden deductions cutting into your earnings.

You can often earn more with this model.

For example, if a lender pays 275 basis points and you keep 260 after technology and compliance costs, that’s more than the 220 basis points you usually keep as a net branch manager before other expenses.

A 40-basis-point difference on $5 million in monthly business adds up to $20,000 per month, or $240,000 a year, that would otherwise go to the parent company for branding and support. Consider whether this trade-off aligns with your goals. State mortgage broker licenses cost $500 to $2,500 or more, depending on the state.

Licensing and Surety Bond Costs

Surety bonds are required in every state and cost $1,000 to $5,000 per year, based on the bond amount and your finances. Loan origination systems like Encompass and BytePro cost $1,000 to $3,000 per month. Legal and business setup fees range from $1,500 to $5,000 and are paid once. NMLS registration, errors and omissions insurance, and compliance software add $3,000 to $8,000 per year. Total first-year costs are usually $15,000 to $40,000, depending on how many states you are licensed in and which systems you choose.

Costs Per Loan

Once you’re set up, the cost per loan is usually lower than in a net branch model, since there are no extra company layers to pay for. You keep control, get the full value, and shape your company’s culture, lender relationships, and growth. The branch model is best for those who need help with compliance, lender access, branding, and parent company support, and can’t set these up on their own.

In these cases, the extra cost may make sense. However, many professionals have enough experience to manage a branch and their finances. Most net branch setups help you consider going fully independent.

You can have more control over your long-term goals, and ongoing net branch fees may eventually limit your freedom. The net branch model is a lot like a franchise: you get a quick start and steady support, but you’ll always share your revenue. Decide if the support is worth the ongoing cost. For many experienced teams, it’s not.

No matter which path you choose, always have a mortgage industry attorney review any net branch agreement before you sign. Pay close attention to exit terms, non-solicitation and non-compete clauses, who owns your clients and referrals, and every fee, especially the recurring ones. Missing these details can cause major headaches if you ever want to switch models or go independent.

• This reply was modified 2 months, 1 week ago by  Sapna Sharma.

[Lisa Jones]

Is NEXA Lending a safe company to join amid these acquisitions

[Lisa Jones]

A wild animal should never be captured and confined to a kennel or tied up. It should never be kept as pet.

I agree with this perspective. Wild animals have evolved over millennia to thrive in specific environments with complex social structures, territorial ranges, and behavioral patterns that captivity simply cannot replicate.

Keeping wild animals as pets creates several serious problems:

For the animal: Even well-intentioned captivity causes stress and suffering. Wild animals have instincts and needs—like hunting, roaming vast distances, or living in social groups—that a domestic setting can’t fulfill. This often leads to psychological distress, physical health problems, and abnormal behaviors.

For ecosystems: Capturing animals from the wild can disrupt populations and ecosystems. And when exotic pets escape or are released, they can become invasive species that harm native wildlife.

For human safety: Wild animals retain their instincts and can be unpredictable and dangerous, even when raised from infancy. They can carry diseases transmissible to humans, and many people lack the expertise to provide appropriate care.

For conservation: The exotic pet trade fuels illegal wildlife trafficking, which threatens endangered species and undermines conservation efforts.

There are important distinctions to make, though. Wildlife rehabilitation by licensed professionals serves to return injured or orphaned animals to the wild. And accredited sanctuaries provide necessary care for animals that cannot be released. These are fundamentally different from keeping wild animals as pets.

Is there a particular aspect of this issue you’re most interested in discussing, or a specific situation that prompted this reflection?

https://youtu.be/waIgvPbz7hs?si=2GgKLFveuUUPvBNI

• This reply was modified 3 months, 1 week ago by  Gustan Cho.