@Arthur Kraamwinkel I work with an national portfolio/asset based lender that lends in NY and has a program that offers a 30-year term. 

(If so I may want to talk to you in a few months.)Anyway, I use Fidelity National Title out of Lake Oswego (5400 Meadows Road Suite 100 Lake Oswego, OR 97035).  

If I'm wrong then I apologize, then you should know that Real Estate is local, not national, regional, or by state.

I used to have a company that ran tours for wildlife photographers, some in the lower 48, but my favorite was Alaska and the arctic.So if I had cash to play with I'd start with a 3 week driving tour of Alaska, then go back to Kuujjuaq, Quebec, topped off with a visit to Bylot Island at the northern tip of Baffin Island and then to Quttinirpaaq National Park at the norther end of Ellesmere Island. 

60/40 comm split, guaranteed buyers lead, lots of help and structure, DOWNSIDE, all deals are put under the lead agents name, if I leave I don't get to take any of my clients brought in, and i'm not building my own brand/business, essentially just helping build someone else's business.B) Go independent with a large national brand, 70/30 comm split to start, plenty of training options, office fee's seem reasonable.

I am right next door to a national bank, one of only two in the town.5.

I keep seeing Sac ranked in the top 10 nation wide.

You are right, all prior attempts to curtail this have met with almost rabid reactions from the National Association of Realtors.  

(Or something so close to the questions that it might as well be the question).... so you walk out of the course with a test sheet with hundreds and hundreds of test questions/answers, and books that are thumb-tabbed and highlighted for commonly asked questions.So... no.

I would check the Fee breakdown with them compared to other local or national lenders.