With a license, you'll have access to systems for prospecting & training.

no, of course not. 

Higher loan balances we would likely see an opportunity in the future to refinance again due to lower rates so consider a 2-3 year prepayment penalty.Of course if you qualify for Conventional Financing (Fannie/Freddie), there are no prepayment penalties so just calculating out the return of investment timeline on point buy downs.Good luck shopping and let me know if you want to talk further!

Here is the source for the commission rate, right from the Sitzler NAR lawsuit judgement (bold text added):"In addition to training, Plaintiffs have presented expert testimony showing that Section 2-G-1 had the effect of stabilizing commission rates.

I just keep hearing over and over again to just take action and course correct from there. 

Is it an automated voice attendant, is it a call center where you are routed to someone else eventually to get an answer, or is it a live, well trained staff member?

Other than the repairs needed of course

Of course, for some they would not want to do anything different than what they already are doing.

Only when the $-train stopped did every accusation of every kind come out.

Of course I have googled already and all that good stuff.