@Greg DickersonI've been working on my pilot program for the last couple of years.

I want to obtain my NMLS license in New York (where I live) because I would like to transition from working in retail to getting into the banking industry and working as a mortgage loan officer/originator.I found a program on YouTube but they charge $380.

@Paul SandhuI’m not sure if this is what your Chinese engineers are doing, but when my Taiwanese parents (small, Mandarin Chinese-speaking island off the coast of China) come to visit, they unplug the Roku in the guest room and hook up something called a Moon Box so they can get their Chinese language programming for free.

When it comes to state specific study apps, I would still do a search in the app or play store (depending on your phone) and look for some practice test programs that have a decent star rating and high customer downloads.  

Just left an RE-Mentor 3 day workshop and after having already spent $4,000, I was debating paying an extra $40k-$80k to join the mentorship and coaching program but a friend who was already in real estate advised me to save that money and to rather network and invest my time and resources in local coaches, reading books, starting small and scaling up.

As you mentioned, iBuyer programs are coming for agents commissions and the market is definitely becoming more competitive.

It’s a computer program that utilizes public information…nothing more.

We have a really good referral program that may make sense for you. 

Many do a 5% no PMI program and don't use the same inspection criteria FHA requires.

Through talking to different real estate agents I’ve heard about both mass housing and fha loan programs.The mass housing loan program also has a downpayment assistance program, that will pay for a good portion of the downpayment.