from my perspective as a NMLS licensed Mortgage banker... is D F won't get repealed as a whole.the govmit spent a billion dollars creating NMLS  all of us mortgage bankers or RMLO's are now registered in one federal system.. it would create massive issues between the states and feds how we operate.DF from someone who actually works in the system ( me) is a pain for sure.. we have to use this super complicated website called NMLS .. we have to do reporting quarterly that is over the top and bigger shops no doubt had to hire a compliance person as it would become a full time job.. little guys like me we just grumble  but have to comply.Wall st will dictate rates  LTVs and risk.. along with bond buyers ..

Also as investors we have to keep in mind that the bankers then the brokers get first crack at these deals first.....

Ive been trying to get in contact with lawyers and bankers thats been recommended to me but none of them can help me or even reply to my mails.

My banker there told me that he has signed loans for investors from all over the world, including Australia.

NMLS licensed mortgage banker that one is a little tougher for someone like me that never did a conventional loan origination in their life.. but opens many doors. 

Oh and last but not least, his financial education for children is hard to top - CashFlow for Kids is a great tool that I often suggest to friends and family.So his book may not be perfect, and it may stop short in many ways but it really serves as a gateway drug where many other more specific books can pick up where his left off...like The Banker's Code for example.

My wife is a retail broker and never has clients in her car Ever.. real estate just is not done that way any more.. clients look on line then meet you at the house to look.I though as a one who deals with investors I have clients in my car frequently.. and or my banker or other folks.so I just buy and drive what I personally like.. and keep it clean and tidy..

Talk about flexibility.I'm no banker, but here is what I have gathered from my experience....

So, be prepared when the owner/broker comes to you and says either A) We are closing up shop, so find another home by XX date, or B) Coldwell Banker (or fill in the blank brokerage firm) is buying me out. 

A good banker?