If through a listing broker it will depend on what the listing broker entered on the MLS and MLS rules.In Georgia for instance on FMLS if as a broker you screw up and enter commission wrong,mistake things etc. you can be on the hook for the commission or lose access to the MLS.MLS's are sometimes controlled by REALTOR associations and other times are private entities that are non-profits or for-profit organizations.Also the brokers/agents involved it would matter if they were REALTORS or not.Generally your state's real estate commission does not handle commission disputes.They only care about license laws.The agent can argue procuring cause with the other agent but it should not stop your sale.Simply you would close and get your proceeds and the commission in question would be froze until a solution was given and signed in writing or a court order.There are so many variables to this and it is state specific.Procuring cause is a chain of events leading up to a sale of a property.If the chain is broken generally the broker/agents is not due a commission.The moral of the whole story is the buyers agent needs to learn how to protect themselves in the future.I am not going to court to get my agents commission when I only charge them a 300 flat fee as a broker.No legal advice

I know of a few refi changes and HARP extensions around year end, but check with your loan broker for definitive DU changes.

You may have more luck with local lending institutions, so definitely look into that option.A few other options for you:1. private loans - see if you can find a passive investor who would like an equity stake in the property.

Thanks for the welcome Rusty and Jon.Did that other guy delete his post, I was hoping to get his name written down.Since I'm new to this site, can anyone commenting here tell me how we can communicate privately since it sounds like there are "rules" here.

With Conventional loans the investor could be fannie, freddie, ginney, or a private even.

I'm wondering if that would be a better way to structure my private loans.

Recently, I have been bombarded with opportunities to buy properties with private financing in place.

The best I have found is private money with tough terms: 50% down, 5-7 year terms and am schedules, 9-12% interest.

I have one mortgage on a mobile home park, three mortgages on three sf homes through a local bank, two mortgages on two homes through a private lender, one mortgage on four units through a private lender, and one mortgage on 5 units in an LLC through a local bank.My credit score is over 800.

That's a 4.48% rate of interest, a private lender normally wants 8%+, with LTV of 70% or so.