Sounds like sage advice John K.

@Sage Fradley Each individual working in the residential lending space is required by law to get an NMLS #.

Thanks for the sage advice.

Funny thing is when I often ignored all that sage advice my bag of marbles was larger then my competitors when the game ended.

Ok, so here is the latest on this never ending nightmare sage.

Everyone - thank you for the sage advice and recommendations.  

I'd be much wealthier than I am.JoffreyBrother Mentor Joffrey thank you for your words. . .and also the OP Deborah B. for bringing wisdom to the table and George Paiva and Joel Owens for opining on sage experience.Maad Props to Ned Carey also, this is the best and brightest use of this medium, the mindshare that protects noobs and experienced alike from the shyster, the unscrupulous, the hustlers out there.Well done, Deborah!

Jeff,Granted that it is sage advice, but the end of your post felt truly ominous.

If you're established and want to weigh in with sage advice and encouragement, please do!

I do appreciate sound and sage advice, and hope to learn from the great people on this platform.I just got pre-approved for a 4 unit place in the 520k range (with a partner and 20%) in the Austin area but we were overbid on the deal.