I've owned and run a travel agency for my 'profession' the last 20 plus years.

A broker, at least theoretically, is supposed to supervise you (there are many citations by state RE agencies of a lack of supervision with wayward agents) and can have serious problems if they don't.

A buyer's agent shouldn't be telling you what to offer, set a number, for several reasons, but some areas will say that the one who pays you is the master.John Chapman is an attorney in Texas, not a RE type but he is a landlord and may be familiar with Texas laws of agency.

Agency law is VERY clear about this.

When you get an opinion from a full service agency follow there advice.

The management company is RMI Management, and the collection agency is owned by RMI, called Red Rock Financial Services.

In 1991, FICO credit bureau risk scores made available at all three major US credit reporting agencies — BEACONsm at Equifax, EMPIRICA® at Trans Union, and the Experian/FICO model at Experian.

LOL, I suggest you read, slowly, the RESPA regulations, which are law, become very familiar with your state regs on what defines and real estate agency, agency relationships, paying for real estate brokerage services and make sure you don't do any of those things.There are states, Maryland comes to mind, that has a lose definition of what constitutes a real estate agents' duties.

The lender can be a bank, agency lender (Freddie/Fannie, SBA, or HUD, etc.), or a HML.

The SAFE Act is a large document and about 3/4ths of the way there are several paragraphs concerning dealers and seller financing, of residential property, basically that if sales are done as a business or non-owner occupied that a mortgage originator license is required or an MO to be used.The CFPB consumer financial protection board is a newly established agency that will have oversight of all consumer financing to include installment sales in real estate.