You cannot assign a financing contract in your transaction where you obligate the seller to finance to a third party without their specific consent with that borrower.You're also  not a mortgage broker, compensation has nothing to do with it and you're brokering a mortgage as a straw man (wholesaler) type arrangement.Side deals (bones and steaks paid later) outside of settlement is a violation of TILA, Dodd-Frank, the Tax Code and ALTA, Things can happen in life that expose such transactions, things beyond anyone's control.

Here's an idea,Since all lending begins with prudent lending practices, why not start there, google it, read law sites instead of Eddie Speed.Anyone ever study ALTA requirements, ever go to an Appraisal Institute site?

So when you were at closing and reviewing the closing disclosures and alta, why did you proceed to close if your commission wasnt listed?

This was back in the Alt-A days where a good credit score and a few hundred was all you needed. 

I then searched the Internet for "retire early" (using the Alta Vista search engine, since Google was available only to Stanford University members at the time).

Assuming its a Florida Modified 2006 form ALTA policy the place to submit a claim should be found under Conditions 18 of the policy. 

And by paying you get put on the top of the listing, think alta vista.

Your in a tough spot because banks and alt-a lenders are in a tight spot right now.

So finally we reach the settlement day, title sent us the ALTA, and my jaw drops.The ALTA settlement sheet says the seller has to pay money.

How closing are accomplished are under ALTA guidelines and state law as well as by local custom, local custom can be changed.