Michael - I think in the beginning , it is very important for you to find a broker who provides plenty of TRAINING - this will likely come at the expense of lower payouts to you at first - but with the right training , education, and confidence - you will have the knowledge and experience to shop around for a broker who gives you more free time and higher payouts - but initially, I would say that getting properly trained and educated is of primary concern.

As a first time home buyer, I'm trying to determine the best market to shop for a duplex. 

Hello,Has anyone ever used the CE Shop, Inc for pre-licensing or continuing education real estate courses?

Latter is half price of first,,,BUT you better not have a plastic bag in there, nor ANY garbage or anything else on the prohibited list,,,,OR ELSE you get chewed and charged. 

There is a guy down the street from my shop who has a tree company , original mortgage was $ 425.000  ( bought in 2004 ) he hasnt made a payment in 4 years .

I believe the industry term is builders risk insurance if you want to shop around.

If you're still shopping around for a loan and need more recommendations, PM me. 

I'm very happy with the service they provide me in every way...but it never hurts to shop around (as the OP did).

I would not want to make a family that is trying to get buy put out on the streets, and you shouldn't either or you my friend are a D bag. so in trying to avoid that , what are some options ? 

Spend the time to shops around, speak with different broker, vet them out and go with the one that you like the most.