The S&P 500 index returns on average 10% per year. 

If you are thinking about a new purchase with a heloc vs a current 30 year fixed rate, this could be a good alternative.Basically, helocs are billed based on the average daily balance of the account.

Saturation is definitely upon us but quality product continues to get booked just like other markets.

Conclusion: Don´t give your credit card infos for "free" products!!!

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.

You didn't mention where you are operating, but depending on average home prices, I think you'll be ok.For instance if we're talkin $500k homes, and if you will get a 2.5% commission, split that 50/50 with your Broker, you will end up with $6,250 per sale, right?

FHA 203k is an amazing product and under used! 

The differences between most software is subtle and may be how they bill for their service, support their product, or the process to use those features.

.: Quote from @Audrey Sommer: A couple weeks ago, I was talking to a texan resident that came up to Washington State to help the company I work at, train our team for a new product launch.

For Neal it may be win-loss of 50-50 or 60-40, both not bad on average for funds.