I spend majority of my time in central and North Jersey.  

And I struggle through the expert interviews. 

Talking about poor children and the such is just designed to make me feel bad.

Those things won't matter if your business crushes it. i feel like it would matter when those things add up and start tearing at ur profit If banking fees cut into your profit, your profit isn't big enough.

Feel free to inquire about their staff qualifications if it's a larger organization.2.

Hey @Alex Moazeni, feel free to PM me.

I’m not local, so I’m trying to get a feel for what it’s actually like making deals in this market right now.

Where I differ with most of the posters on this thread is that I feel solutions can be developed to address the problems and something similar to what the OP suggests would be viable. 

Hey everyone my name is Joe, I am in the south Florida region of the states.

I will have 2 closing in the next 2 weeks.