Yes of course its price can be more volatile and can go down faster than real estate would but long term it appreciates and pays every month.Curious on BP communities thoughts..

If the broker is using a private lender, the lender usually charges points/or higher rate.

When we were first selling homes in 2021, Buyers were upgrading to larger homes since interest rates were 3ish% and they could afford the extra 300+ sqft.Today, we see smaller homes selling significantly faster than larger homes.

That’s without my labor, I finished in 8 month, so let’s say 40 hours, at my minimun I used to charge was $75 and hour.

The agents are charged for this service no matter what so it's difficult for the agent to service from a time and financial perspective.

Brokers acting as paper pushers and contract writers will obviously charge alot less than a broker taking on all responsibilities including marketing. 

Charge a fee for the ESA.

They charge no fees at all.

You can theoretically have a higher rate from one lender with lower origination fees and total finance charges may come in lower.  

What is he charging for the materials?