hmm;  For an agent or broker this may be true, but if I create a website and promote it using Adwords, I have no restrictions.  

Very nice promotion by HD, and thank you @Chris K. for sharing the news.

My home is just lovely and needs only love and care.I am only renting it out because of my promotion ( which came as a surprise) out of the state from XXXXXXX, TN to Fulton, KY.

—The term ‘mortgage originator’— ‘‘(A) means any person who, for direct or indirect compensation or gain, or in the expectation of direct or indirect compensation or gain— ‘‘(i) takes a residential mortgage loan application; ‘‘(ii) assists a consumer in obtaining or applying to obtain a residential mortgage loan; or ‘‘(iii) offers or negotiates terms of a residential mortgage loan; ‘‘(B) includes any person who represents to the public, through advertising or other means of communicating or providing information (including the use of business cards, stationery, brochures, signs, rate lists, or other promotional items), that such person can or will provide any of the services or perform any of the activities described in subparagraph (A); ‘‘(C) does not include any person who is (i) not otherwise described in subparagraph (A) or (B) and who performs purely administrative or clerical tasks on behalf of a person who is described in any such subparagraph, or (ii) an employee of a retailer of manufactured homes who is not described in clause (i) or (iii) of subparagraph (A) and who does not advise a consumer on loan terms (including rates, fees, and other costs); ‘‘(D) does not include a person or entity that only performs real estate brokerage activities and is licensed or registered in accordance with applicable State law, unless such person or entity is compensated by a lender,a mortgage broker, or other mortgage originator or by any agent of such lender, mortgage broker, or other mortgage originator; ‘‘(E) does not include, with respect to a residential mortgage loan, a person, estate, or trust that provides mortgage financing for the sale of 3 properties in any 12-month period to purchasers of such properties, each of which is owned by such person, estate, or trust and serves as security for the loan, provided that such loan— ‘‘(i) is not made by a person, estate, or trust that has constructed, or acted as a contractor for the construction of, a residence on the property in the ordinary course of business of such person, estate, or trust; ‘‘(ii) is fully amortizing; VerDate Nov 24 2008 22:28 Sep 03, 2010 Jkt 089139 PO 00203 Frm 00763 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203anorris on DSK5R6SHH1PROD with PUBLIC LAWS 5 124 STAT. 2138 PUBLIC LAW 111–203—JULY 21, 2010 ‘‘(iii) is with respect to a sale for which the seller determines in good faith and documents that the buyer has a reasonable ability to repay the loan; ‘‘(iv) has a fixed rate or an adjustable rate that is adjustable after 5 or more years, subject to reasonable annual and lifetime limitations on interest rate increases; and ‘‘(v) meets any other criteria the Board may prescribe; ‘‘(F) does not include the creditor (except the creditor in a table-funded transaction) under paragraph (1), (2),or (4) of section 129B(c); and ‘‘(G) does not include a servicer or servicer employees, agents and contractors, including but not limited to those who offer or negotiate terms of a residential mortgage loan for purposes of renegotiating, modifying, replacing and subordinating principal of existing mortgages where borrowers are behind in their payments, in default or have a reasonable likelihood of being in default or falling behind. ‘‘(3) NATIONWIDE MORTGAGE LICENSING SYSTEM AND REGISTRY.

Jon is a LA commercial broker so he certainly has a bias to promote these types of sales.Thanks for your input everyone!

We are in a community property state.Anyway, as one card did a random credit check on me and realized I had credit available all over the place, my promotional interest-free rate evaporated.  

These cards had an promotion that the first 14 months were 0% interest.

Al Pacinio  and OH can't think of his name he was Felix Unger .... its a classic and it is absolutely how the game was and is played in the land business... think of your self as the buyers. and think of those promoting these deals as the owners of the company.then imagine myself as a 6 to 12 year old sitting through the meetings going out on in home presentations and meeting at the properties closing etc. by the time I was 10 I could sell land as good as any of them...

Here are some solid helpful tips (completely promotion free):Prospect FRBO's Leads (for rent by owner).

Hey Ibrahim, let me start off by saying - In no way am I promoting "texting while driving", lol!!!