Dually Licensed Tina
Dually LicensedForum Replies Created
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The following establishments are recommended for sourcing large crab legs and lobster in Chicagoland and Milwaukee. Please contact each location in advance, as inventory changes daily.
changes daily.
Chicagoland Options:
Wabash Seafood Co. – Chicago
- Address: 2257 W Hubbard St, Chicago, IL
- Contact : 312-733-5070
This location is a seafood wholesaler and supplier. Inventory changes frequently, so please inquire directly about current availability and pricing.
Supreme Lobster & Seafood
- Address: 220 North Ave, Villa Park, IL
- Contact #: 630-834-3474
For those located in the western suburbs, this supplier is a reputable source for seafood and lobster and is well known throughout the Chicago area. Bensenville
Fortune Fish & Gourmet – Bensenville
- Address: 1068 S Thorndale Ave, Bensenville, IL
- Phone: 630-860-7100
More of a true seafood distributor. They handle fresh and frozen seafood and serve restaurants, hotels, country clubs, and specialty food customers. Best for larger/group orders, but call to confirm whether they will sell direct or require a business/restaurant account.
Chicago Wholesale Meats / Northwest Meats – Chicago
- Phone: 312-733-1418
Wholesale king crab legs and other seafood are available for restaurants and bulk purchasers. This supplier is suitable for group or large-volume orders.
Dirk’s Fish & Gourmet Shop – Chicago
Dirk’s Fish & Gourmet Shop is a retail seafood store known for high-quality seafood. Good retail option if they want quality seafood without needing a wholesale account. They are known as a premium Chicago fish and seafood shop and also offer shipping.
Best Milwaukee Options
Empire Fish & Seafood Market – Milwaukee
- Phone: 414-259-1330
Empire Fish is a leading seafood market in Milwaukee. Recent reviews note crab specials on Tuesdays and a wide selection, including Alaskan king crab legs, snow crab, and Maine lobster tails.
St. Paul Fish Company – Milwaukee Public Market
- Phone: 414-220-8383
This location is also recommended for retail seafood purchases.
What I Would Tell Them to Ask
When You Call, Ask:
Ask about the availability of jumbo king crab legs, super colossal king crab, large snow crab clusters, live lobsters, or large cold-water lobster tails. Also, request details on size per pound, pricing, and minimum order requirements. When ordering crab, specify whether you want king, snow, or Dungeness. For lobster, indicate if you prefer live Maine lobster, whole cooked lobster, raw tails, or cooked tails. For group orders, frozen products are usually acceptable if they are flash-frozen and handled properly.
Short Referral Answer to Post
Why Maine’s $1 Billion Lobster Industry Could Be At Risk | Big Business | Business Insider
Consider Wabash Seafood (Chicago), Supreme Lobster (Villa Park), Fortune Fish & Gourmet (Bensenville), or Empire Fish (Milwaukee) for large crab and lobster. For retail purchases, Dirk’s Fish (Chicago) and St. Paul Fish Company (Milwaukee Public Market) are recommended. Please call ahead, as inventory varies daily.
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This reply was modified 5 days, 2 hours ago by
Sapna Sharma.
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Forgot to ask what do they mean by net worth requirements? Does equity in your personal home count as net worth by state mortgage licensing regulators and the NMLS? Does New Hampshire, Vermont, and Rhode Island allow the mortgage broker to work from home? Remote MLOs? Can you buy an existing mortgage broker who closed shop or do you always have to create and start a new mortgage broker? Can you rent a Regis office suite and make that a home office? Can you have a Regis office with a net branch and also have your own mortgage broker company in states the mortgage net branch is not licensed?
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This reply was modified 4 weeks, 1 day ago by Tina.
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This reply was modified 4 weeks, 1 day ago by
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I am interested in opening a new NMLS mortgage broker company licensed in the following states: 1. New Hampshire, 2. Vermont, 3. Rhode Island. Can you please advise on if any of these three states require brick and mortar, have a distance requirement between a brick and mortar office to personal residence, what are the requirements with regards to the principal, net worth requirements, NMLS and state cost, fees, and bonding requirements, how much would a NMLS licensing consultant charge to set up the NMLS licensing for the new mortgage broker and individual (I am already licensed individually on all those three states), and a tentative timeframe from start of the NMLS licensing process until I get the final NMLS state licenses in those states. Thank you in advance.
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What is going on with President Donald Trump’s approval rating? I heard Trump’s approval rating is plunging to 36% from 50%. That is a sudden drop but with the recent developments with the Trump administration, his approval rating is expected to deteriorate further. With Trump firing his Homeland Secretary Kristi Noem due to the two controversial deaths by ICE agents in Minnesota, and firing his Attorney General Pam Bondi, many MAGA die hard fans and supporters are turning against Trump. Dozens of Republican and MAGA journalists and podcasters have started turning on Donald Trump. Former Congresswoman Marjorie Taylor Greene has turned on Trump big time. Former Fox Journalist and Current Podcaster Megan Kelly, Tucker Carlson, Alex Jones are some of the die hard Trump Supporters who has turned on him. As for myself, I was a die hard Donald Trump fan and strong MAGA SUPPORTER. However, Trump’s arrogance and his bragging about himself that he is the one and only is beginning to turn me off. Can you please explain more about why so many Americans are turning on Trump?
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In my honest opinion, I think Kamala Harris is the World’s dumbest politician with absolutely zero accomplishments and very high ambitions that she will never be able to master. Kamala Harris never had a job in the private sector, never had a managerial role in a business, does not know how to run a business, and has slept with horney old men to get ahead in politics. Harris does not have any sense of humor, is not liked, and most Americans are really surprised and are shaking their heads on how she got elected the District Attorney of San Francisco, California Attorney General, United States Senator for California, and Vice President of The United States of America. Can you please tell us more about Kamala Harris, the most incompetent politician and very unliked person with a single digit IQ and extremely high dreams? What are her political ambitions? How can she spend $1.5 billion dollars on her 2024 presidential election and not win a single state?
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GCA Forums News Headline
April 13, 2026: Housing, Financial Markets, U.S.-Iran Tensions, and Evolving Political Dynamics
Oil prices surpass $100 per barrel, home sales decline, mortgage costs rise, and Washington faces conflict, cabinet changes, and escalating legal disputes.
Overview for GCA Forums News
April 13, 2026, follows failed peace negotiations, with renewed U.S.-Iran conflict destabilizing the global economy. President Trump’s decision to block Iranian ports led Iran to threaten further oil price increases. These events have raised concerns about inflation, higher government bond and mortgage rates, and increased pressure on the White House.
The housing market is slowing: existing home sales fell 3.6% last quarter to a nine-month low of 3.98 million. Inventory rose to 1.36 million, but supply remains limited, and affordability is a challenge for first-time buyers.
The median price increased 1.4% to $408,800. As a result, the National Association of Realtors reduced its 2026 sales growth forecast from 14% to 4%. Housing policy has become a major political issue for the White House. A recent report estimates a shortage of 10 million homes and recommends regulatory reforms to encourage construction and lower costs. As the market struggles, debate over solutions is intensifying. For prospective homebuyers, high interest rates remain the primary obstacle.
Trump Administration Housing Policy
Since April 9, 2023, Freddie Mac has reported that 30-year mortgage rates declined to 6.37% from 6.46% the previous week, while 15-year rates decreased to 5.74% from 5.84%. Despite these reductions, 30-year rates remain in the low to mid-6% range due to market volatility.
The 10-year government bond yield is 4.34%, reflecting inflation concerns driven by high energy prices and the Iran conflict. The Associated Press noted mixed market outcomes: the Dow declined, the S&P rose 0.3%, and the Nasdaq increased 0.5%.
Bitcoin is trading near $72,220, up 1.5% from the previous day, within a range of $70,600 to $72,553. These trends show that investors are increasingly concerned about oil prices, ongoing conflict, and inflation. Precious metals also saw mixed results: spot gold fell 0.3% to about $4,734.50 per ounce, while silver dropped 0.2% to around $75.71. A stronger U.S. dollar and reduced likelihood of quick Federal Reserve rate cuts are pushing prices down.
The Volatile Precious Metals Market
Although gold remains at historic highs, higher interest rates have made it less attractive as a safe investment. Political challenges include opposition to President Trump’s executive order on mail-in voting and the administration’s immigration policies. Key national issues include legal disputes, ballot access challenges, and funding disagreements between the Republican-led federal government and state governments. As a result, political discussions in these states increasingly focus on Democratic priorities.
The U.S. economy is under significant strain. The Consumer Price Index rose 0.9% in one month and 3.3% over the year, with gasoline prices up 21.2% and diesel up 30.8%, mainly due to the conflict.
Public sentiment is pessimistic, as the University of Michigan’s consumer confidence index fell to a record low, including among Republican respondents. These figures show that the economic crisis is President Trump’s most significant challenge, even before considering the ongoing war.
President Trump’s Approval Rating Drops
Recent polls show President Trump’s approval rating dropped to 36%, down from 40% the previous week. Only 25% of Americans support his handling of the Cost of Living crisis, and fewer than one-third approve of his economic response.
The administration and Republican lawmakers are calling for a stronger economic focus amid widespread affordability concerns. Meanwhile, Democrats are working to regain support among Latino voters after recent Republican gains.
The 2026 political environment remains volatile; while not a dramatic shift, economic difficulties and war fatigue are gradually weakening Trump’s coalition.
Monday’s top story extends beyond global conflict, as its effects are driving changes in oil prices, inflation, Treasury yields, mortgage rates, housing affordability, voter sentiment, and cabinet stability. The housing market remains sluggish, mortgage rates are elevated, and market volatility persists. Bitcoin remains stable, while President Trump faces growing pressure from economic challenges and the Iran crisis.
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Here is a simple pros and cons explanation in plain language.
NEXA
Pros:
NEXA is straightforward if you like a traditional commission split model. You can estimate your comp fairly easily because the company takes its share from the basis points, and then you know what is left for the loan officer. For some people, that simplicity makes it easier to understand how every loan is paid.Cons:
The downside is that the loan officer does not keep the full 275 basis points. In your example, the LO ends up with 220 basis points before expenses, which means less gross pay on each loan. Since the LO also pays their own business expenses, the net income can be lower, especially on larger loans.C2C Mortgage Lending
Pros:
C2C is attractive because the independent MLO or net branch keeps the full 275 basis points. That can create higher gross income, especially on larger loan amounts. The flat file fee can also be easier to plan around, and if you hit the higher-volume fee reductions, the model becomes even more favorable.Cons:
The main drawback is that you still have to pay the per-file fee, so your income is not completely free and clear. If you are doing lower volume, the $995 fee can feel heavier. Also, because you are keeping more of the commission, you may need to be more disciplined about managing your own expenses and profitability.Simple takeaway
If you want a traditional split model, NEXA may feel simpler. If you want to keep more of the commission and pay a flat fee instead, C2C may offer stronger income potential, especially on larger loans and higher volume.
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Yes — here are some real-life style case scenarios in plain English so you can see how the two models might play out.
If a loan officer closes a smaller loan, the difference between the two companies may not feel dramatic at first, but it still matters. For example, on a $250,000 loan, 275 basis points equals $6,875. Under the NEXA structure you described, the loan officer would end up with 220 basis points, which is $5,500 before expenses. Under the C2C structure, the loan officer would keep the full $6,875 and then pay the company’s per-file fee. If the fee is $995, the net before personal expenses would be $5,880. In that small-loan example, C2C would still be slightly better on gross net income, but the difference is not huge.
On a middle-sized loan, the gap starts to become more noticeable. For example, on a $500,000 loan, 275 basis points equals $13,750. Under NEXA, the 220 basis point payout would equal $11,000 before expenses. Under C2C, the loan officer would keep the full $13,750 and then pay the per-file fee. If the fee is $995, the net before personal expenses would be $12,755. In that scenario, C2C is clearly ahead because the flat fee is much smaller than the commission difference.
On a larger loan, C2C becomes even more attractive because the fee stays flat while the commission grows. For example, on an $800,000 loan, 275 basis points equals $22,000. Under NEXA, 220 basis points would equal $17,600. Under C2C, the loan officer would keep the full $22,000 and then subtract the file fee. Even if the fee were $995, the net would still be $21,005 before expenses. That is a much larger spread than NEXA.
If a loan officer is producing at a strong monthly pace, the reduced fee at C2C makes the model even better. For example, if a branch closes 7 or more loans and the fee drops to $795, the savings add up quickly. If the branch is doing more than 10 loans per month and the fee drops to $595, then the economics improve even more. So the more volume the branch does, the more efficient the C2C model becomes.
NEXA may make more sense for someone who prefers a traditional split model and wants the company structure already built into the comp calculation. But in a real-world income comparison, C2C can produce a higher net income on most loan sizes because the loan officer keeps the full 275 basis points and only pays a flat file fee. That is especially true on larger balances and higher-volume months.
So in practical terms, if someone is doing smaller volume and wants a simple split-based structure, NEXA can be easy to understand. If someone is producing consistently and especially if they are working larger loan amounts, C2C’s flat-fee model may leave more money in the loan officer’s pocket.
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I HAVE BEEN SERIOUSLY THINKING OF LEAVING MY RETAIL P AND L MORTGAGE NET BRANCH AND SERIOUSLY GOING TO A MORTGAGE BROKER PLATFORM LIKE NEXA LENDING, C2 FINANCIAL, BARRETT FINANCIAL, LOAN FACTORY. I HAVE LIMITED THE CHOICES TO EITHER NEXA OR LOAN FACTORY. I AM CONSIDERING THE PROS AND CONS OF NEXA VS LOAN FACTORY AND I THINK BOTH COMPANIES ARE TOP TIER FIVE STAR COMPANIES. SOME DATA FOR YOU TO USE SO YOU CAN MORE SPECIFIC. NEXA is on a 275 broker compensation plan with wholesale lenders. NEXA takes 25 basis points from the top and another 30 basis points for revenue share up to $2 million in production. After $2 million, NEXA gives LOs 100%. THIS IS FOR EACH INDIVIDUAL MLO. However, NEXA deducts 12% of he 220 basis points for employer matching tax for W2 wage earners. THE LOAN OFFICER OR BRANCH OFFICE IS RESPONSIBLE FOR PAYING INHOUSE PROCESSORS OR MLOs CAN USE THIRD PARTY CONTRACT PROCESSORS. LOAN FACTORY is on a 250 basis point wholesale lender comp plan. LOAN FACTORY PAYS 100% COMPESNATION TO LOAN OFFICERS BUT CHARGE $595 PER FILE.