I have my MLO endorsement and have originated millions in mortgages but even this guy almost pulled the wool over me.  

Essentially an indirect rollover consists of one institution sending you a check, usually for the total amount of your retirement account (IRA, 401K etc) in order for you to "rollover" those funds to another institution, by either endorsing and sending the check along to your new firm, or depositing the funds and making an equal contribution to another reitrement account.

Adolfo - this is an unsolicited endorsement of how Ms Poe works.

I sold it and made $64,000 including agent fees and and closing costs.This spurred me on to get my residential endorsement and building licenses.

Much of it seems like costs I can't do much about but then there's a section that says "services you can shop for" and has a list of costs:Services You Can Shop For $4,021 Survey $350Title - 24 Month Chain of Title $250 Title - Anti-Predatory Lending Database Fee $150 Title - Closing Indemnfication/Protection Letter Fee $75 Title - Email Fee $25 Title - Endorsements $500 Title - Lender's Title Insurance $1,028 Title - Settlement Fee $1,600 Title - Title Insurance Services $3 Title - Wire Fee $40 Since this is my first mortgage, are the costs of these fees pretty similar everywhere?  

Realtors and loan officers are the best source to find buyers and sellers, I don't want the buyers that qualify for traditional financing or the sellers who have equity and are not in a hurry to sell.I only want to help the buyers and sellers the realtors and loan officers are going to throw away.I have them refer the clients to me they cannot help which gives me a referral endorsed by someone they have begun to trust and instead of telling them sorry can't help you they get to be the hero and have another option to offer to help them.I pay the agents 25% referral fee of the monies received from the buyer so the seller does not have to worry about paying any commissions and they don't have to worry about closing costs because they will be paid by the end buyer.the easiest way to get referrals is to make it a benefit to the referrer and a benefit for the one who is referred.Remember when it is a win-win-win success is inevitable.

The Traditional IR annuity document is referred to as an “endorsement,” and must be a prototype documentThe endorsement, along with a state-approved insurance contract, make up the opening document. 

The standard AI endorsement for owners reads it covers the AI for “your” acts or omissions.

I always endorse 1million in liability (unless they don't want it) again many different options in policies.

Some carriers will also offer an endorsement that lowers premium if you agree to use modernized versions of repair methods (i.e. drywall instead of lathe and plaster) - these are cost savings to them in the event of a claim so make sure you get a lower premium for it.