NEWKEY Home Lending New Key Homelending, lots of talk with little action. Everything is GREAT, PERFECT, YIPPEEE!!!! Just ask the "top" producer!!! Corona California

Angie Ramirez has helped me
In numerous occasions regarding real estate. When so many agents lied and robbed me, Angie helped me and guided me. She has patience. I knew I wans't just sale to her I was a REAL human to her. She has helped me for over 7 yrs now.

Moreno Valley, CA Family

I was a client of Angie Ramirez I met her through a referral of a person she had helped. They spoke very highly of her.

I had a bad dealing with the company Angie worked for. Her boss was Jon Cenoz. I signed up for a service with Jon's company and when results were not rendered I asked for my refund. Angie ALWAYS was there helping talk to Jon to refund our money back. And Jon would always say "Its in process". For years now I kept asking Jon for my refund and every time he gave me EXCUSES AND EXCUSES. I knew he kept saying this because he had spent my money and had NO MONEY TO PAY ME BACK! He spoke so badly about Angie and blamed her. So I went and told Angie. She was so kind to refund us a portion to help me. That showed me what a great person Angie is.

It is so said when CROOKS and unprofessional people like Jon CENOZ who have NO experience in the service they are providing open up scam companies and hurt good people like Angie and put them in bad predicaments.

As of now I am on the search for Jon Cenoz and I WILL BE FILING A LAWSUIT against him for lying and hiding from me. Also his old landlord he leased his fancy Temecula office from is looking for him to collect the 6 months of rent he left without paying.

And as for my statement of who Angie Ramirez is to me: She is a hard worker, keeps her word and isn't hiding.

So for the person who wrote this you should be ashamed of yourself. If you are not happy instead of hiding behind the computer screen call her or email her she will respond.

Thank you Angie Ramirez
Los Angeles, CA

Angie has been my agent and real estate advisor for about 10 years.

She has helped me and I have referred many people to her and she has helped them as well. And when She couldn't she was honest to tell them the truth and not lead them on like other "agents" do.

That was my story before I met Angie. I had several agents lie to me, steal money from me and almost made me lose my home. And they are no where to be found.

Angie helped me, answered my concerns and questions and helped me with my home. She has always been there for me and I am grateful for her.

As for the person who posted this you should be ashamed of yourself for making up lies. I feel sorry for you and the anger you have.

It's a shame how someone like Angie Ramirez who has only helped the ones that needed help and that have done nothing but good have to read all this nonsense and made up lies about her.

Angie my family and I are truly grateful for all you have done. God Bless you!


Grateful person,
Los Angeles, CA

Angie has been my agent and real estate advisor for about 10 years.

She has helped me and I have referred many people to her and she has helped them as well. And when She couldn't she was honest to tell them the truth and not lead them on like other "agents" do.

That was my story before I met Angie. I had several agents lie to me, steal money from me and almost made me lose my home. And they are no where to be found.

Angie helped me, answered my concerns and questions and helped me with my home. She has always been there for me and I am grateful for her.

As for the person who posted this you should be ashamed of yourself for making up lies. I feel sorry for you and the anger you have.

It's a shame how someone like Angie Ramirez who has only helped the ones that needed help and that have done nothing but good have to read all this nonsense and made up lies about her.

Angie my family and I are truly grateful for all you have done. God Bless you!


Grateful person,
Los Angeles, CA

Click on link, Angie Ramirez multiple alias's names, and dubious dba
names, including undercover agent  reporter reporting on loan
modification scams:



http://marketplace.publicradio.org/display/web/2009/09/24/pm-21st-century/



Angie Ramirez is a fraud, she is a master at creating alias names and
associating herself with anyone who has money, see her profiles on
twitter, facebook, myspace, she tries hard to hook up with LA lakers and
pro players, simply pathetic gold digger. The sports leagues have been
notified of her corruption and alias's. FBI and even real estate
associations have been in the loop of revoking her license and if you
read in detail, Richard Lee and Angie Ramirez have are banned in many
states from practicing business. Beware of them both and their
fraudulent companies they do business with!



http://twitter.com/stepupangie



http://www.facebook.com/people/Angela-Ramirez/100001082029637#!/stepupangieramirez



http://www.myspace.com/stepupangieramirez

I am an ex-employee... worked with Angie. Simply you guys are crooks. I knew and know all the inside lying, forgery and unethical business practices Angie Ramirez did. I contacted the FBI and others have - a complaint has been filed against Angie Ramirez, New Key, Richard Lee and all the dba's, Step Up To Your Dreams i.e. Richard and Angie there is 'No Truth' in you all - only 'Greed'.

Hello All, as always, I and Newkey are transparent and do NOT hide behind fake names with no contacts. If you have questions regarding my response to "Steve',
my email is: Rlee_nk@hotmail.com


First, "Steve", your email reveals that you're not a genuine person and you have NO idea of how to create a wealth platform, which is very SCARY for the people that you're helping with their mortgages. SCARY!

Case and Point:

You refered to Ms.Ramirez as, " Little chickie". Are you serious?
Do you still live back in cave man days. With those two words,you just
offended all Women, Yourself;as it shows your weakness, and Strong Men,
who aren't intimidated with successful women.

You talked about "Angie's mortgages and Mercedes leases" as if That shows she lacks financial substance. NO. What you said, proves that YOU LACK FINANCIAL SUBSTANCE AND SHOULDN'T BE ALLOWED TO WORK WITH BORROWERS.

While I have no idea of what "Steve" says is true about Angies mortgages...
What I do know is that "Steve" lacks proper financial sophistication and wisdom. Which is SCARY for His borrowers. Question for you, "Steve"? Equity in a house or car earns you how much in return on investemnt?? Think now. Squeeze hard!
Use that cave man brain... S L O W L Y...
The intelligent answer is: ZERO. NADA. ZILCH. That equity earns nothing!
Duh, it's called REFI 101. Obviously, "Steve" missed that class.

So in regards to a person choosing to NOT have any equity in their homes is and can be an intelligent choice. The off-set is called liquid safety-net.
That's called REFI 102. Obviously, "Steve" missed that class too!
I and MANY high-net worth people, choose to borrow money at 6% and thru intelligent-investing,earn returns of over 100% plus a year. Are WE stupid?Lol
AND we have loads of safety-net cash in liquid holdings for any rainy day or years. ALL earning returns that exceed that 6%. On our board is a Billionaire who ALSO chooses to lease his cars and has mortgages totaling some $50Mill.
Yet, he's liquid-net is over a Billion. Is he stupid "Steve"?
Have you ever heard of "write offs" against passive cash flow?
Oh no, of course not. You have no residual income. You're sooo smart!
Do you know what is in Ms.Ramirez's bank accounts as a result of Her Newkey royalties, residual income, liquid net-worth? Duh.

So "Steve", by you JUDGING Ms.Ramirez for being smart enough(unlike you),
to have equity working for her verses sitting lazely in houses and cars; TRULY shows that although you say, "I've been in this business a long time", you have NO CLUE. Clearly, you'll need to get back to 101 and 102, at least.

And here's the kicker! Aren't you the one bragging that you're doing ALL THESE REFI's?? So are you making your clients stupider?? Poorer?
Wow! So you're doing to your borrowers, something that you don't believe in? SCARY!

You mentioned, "Training? Hahaha". Looks like you seriously need it.
Go to MortgageMasteryUniversity.Com. It's owned by Newkey's friend, Mr.Todd Duncan, who is distinguished as THE ONLY New York Times best selling author,in the mortg. industry. Oh, he does do FREE trainings for our Newkey Owner-Agents because we have sooo many good agents! Has he trained for your Broker? Nope.

Lastly, Newkey is a Scam? How so? We have more INDUSTRY experts that ENDORSE our incredible ownership model than any mortgage company on this planet. We have revolutionary technologists as shareholders and on our Board. What do you and your "Broker" have??
How far are you set-up for your retirement? Financial Independence?
Looking at the LITTLE that you know about Wealth, the LITTLE knowledge you have about REFI's, financial consulting, and seeing how you treat nice people like Ms. Ramirez.

It looks like the only SCAM is you, and LITTLE is YOU, "Steve"!

Take Care All!
Remember, if you've been working for over 5 years and you're not financially independent. It may not be YOU, but You're on the wrong plan!
"Seek and you shall find" Reach for your dreams!

Richard M. Lee
CEO,Mentor

Hi All,

This is Richard Lee. Anyone can reach me at: Rlee_Nk@hotmail.com.
What I've learned in my life,is when someone is sooo agressive with slander and non-fact based outbursts,such as this "Mortgage Man". More often than not there's an hurtful purpose behind it.
For the reasonable mind. The more you read , the more his emails read as vindictive vs. validating, hurtful vs. helpful, disgenuine vs. an genuine reason to alert. As well, he looks like he's got ALOT of time to waste. And in this market, it reveals someone who isn't working, much less successful.

So the purpose of my reply isn't for Him, but more for the sake of Truth.
For the sake of letting all who are reasonable thinkers, see the two sides.

First, Mortage Man professes that Newkey teaches things that Experts don't say... Well, by the read of your email,it doesn't sound like you READ MUCH.
So how would you know what Wealth Experts said? In fact, please show all of US what printed statement(not from your opinion...) that we teach that aren't quotable.

Angie, asked a SIMPLE question that "YOU" still haven't answered...
How much are you earning? PROVE IT! Isn't the bottomline to all this about Him and Newkey,comes down to numbers? Who understands that Angie as an Independent Agent can go anywhere and get 100% Commission??
So to say that Newkey doesn't offer That and More is flying in the face of Reality.
I guarantee Newkey, Angie and our Owner-agents can PROVE what they say, as they ALWAYS have.

By the way, we have two industry icons with Newkey:
Prof. Greg Herder and Todd Duncann that teaches our Newkey agents,including Top Producers like Ms.Ramirez. So the latter proves your lies that Newkey is all Richard Lee... trying to do this or that. How can we garner such support and endorsements from MEGA industry experts if we were'nt Substantive??

If you truly know Newkey, then you'll realize that every week, we have other top industry experts and top Owner-agents who are kind enough to train on our national calls.So again, your email reveals your rehtoric...

As for your "HelpDesk" . In April we did have a 24 hr. response.
While that response time isn't 2hrs.
As in our DVD, we state: Please DO NOT sign with us, if you're NOT a self-starting good agent. So we keep Expectations in line and don't hide anything!

Great news! Our Helpdesk has an 2hr. target now and we are letting our Owner-agents have lender codes,if that lender allows it.

In closing, I urge ALL prospective Agents to do your due diligence before you join any organization, Newkey or other-wise. We are VERY transparent with this recommendation,thus why, we developed such a detailed DVD.
As well, signing-up will come from other Owner-Agents,not only "Corporate".
So Newkey is even more transparent than other mortgage companies, as signing-up doesn't entail just you and "Corporate Only". Here at Newkey, who you sign with is an fellow Agent,then Corporate. This enables you to get the INFO you need DIRECTLY from the horses mouth,sp to speak. So ask ALL your questions,first!

Take care all. This will be my last reply,as I am very busy supporting our good Owner-agents and our huge growth.

Congratulations Ms.Ramirez and our Owner-agents! For being a shining light in a currently dark industry.

Don't let your BIG DREAMS be stolen by small-minded people,with BIG MISERY's!

Richard M. Lee
CEO,Mentor

I investigated working for them back in 2006 the first time. I posted the following report back in Spring 2007. Too bad you didn't do enough due diligence on them before you started. Nothing but a MLM scam for sure. Their in-house support is awful and takes forever to process a file. They had a limited supply of lenders back then even, when non-prime was alive.

I notice Angie didn't address your specific complaints, because there is nothing to refute. A pro mortgage person would NEVER work there unless they got suckered in. They are primarily trying to sell the dvd package and a sign up.

Here is the info I filed on ROR back in May 2007:

New Key is same MLM Scam James

James, hate to tell you, but New Key is also the same type of MLM scam. They have a similar recruit mentality, although I will tell you not quite as pervasive.

I've worked for the same legit mortgage brokerage for 8 years in Corona, CA. Some guy who I met at the gym suggested I go to one of their recruitment meetings in Riverside. I walk in there to see people with ABSOLUTELY no experience in the mortgage world.

This little chickie named Angie Ramirez was making a big deal about her paychecks, flashing around photocopies. I've been to a few job interviews in my life and NEVER has anyone flashed cash like this. She was making a big deal about OWNING her $1.2 Million dollar home in Canyon Lake, CA. and about her TWO Mercedes.

As I said, I've been in this business for a long time. I looked up the title on her home and she has 2 mortgages on her property of $760,000 and $338,000, her house is worth maybe $1.1 million. Do the math on that and you see a property that is mortgaged to 100%. Oh, and do you know the 1st mortgage is an Option ARM? How smart is that in this economy?

Her Mercedes, both leased.

I did a property search for her name in LA, Riverside, Orange, San Diego and San Bernardino counties and no other properties like she was bragging about.

80%-100% commission splits? So what? If you can't get the loans closed because their contract processors suck, that looks like 100% of nothing to me.

They try to sell you on the idea that if you are DRE licensed, then you could be the buyers RE agent and get that 2%-3% RE split AND provide a loan and make 1% on the front and 3%-4% in YSP. That my friend is absolutely a violation of DRE canons of ethics. Why? The buyers RE agent has a fiduciary duty to see that the buyer gets the very best mortgage financing that the buyer qualifies for. Do you think the best mortgage is one that is significantly more expensive? A high school kid could see a conflict of interest in that equation.

Training? HAHAHAHAHAHAHAHA I asked some routine questions that a new loan officer in training would ask just to test them. They tried to BS me with answers because they clearly didn't know. Example: Explain how an Option ARM and negative really works. They push this type of loan to unsuspecting borrowers. (not what they would tell a borrower) Dude, this guy was clueless

A guy named Sean Verrete was talking about how he was going to retire by the time he was 25. Ya right. Again, a little research showed the guy doesn't even own a home, and had been evicted from his last apartment on Magnolia in Riverside.

All a bunch of BS. Think about this FACT. They are actively recruiting people who have ABSOLUTELY NO EXPERIENCE IN THE MORTGAGE BUSINESS! They are flashing around big checks as enticement to people desperate to make more money then they get paid selling phones at a kiosk at the mall.

One more thing. The mortgage business is shrinking very quickly right now. There have been about 25 non-prime wholesale lenders that have gone out of business since Oct. 2006. Guidelines are tightening up throughout our industry. There are less and less prople buying homes and refinancing because rates are higher. Back in 2002 though 2005 I was closing 12-15 loans per month easily. Now, it is about 6-8 per month.(
In closing, if you are any good at this business get with a legit brokerage that actually HAS training, has experienced and knowledgeable management, supplies real leads, helps you build a referral based business with realtors, gives you all the tools you need to be successful.

I absolutely hate it when companies like this recruit people to handle someone elses single largest financial obligation---their mortgage. Don't you see how this can be a very dangerous situation for the borrower?

I investigated working for them back in 2006 the first time. I posted the following report back in Spring 2007. Too bad you didn't do enough due diligence on them before you started. Nothing but a MLM scam for sure. Their in-house support is awful and takes forever to process a file. They had a limited supply of lenders back then even, when non-prime was alive.

I notice Angie didn't address your specific complaints, because there is nothing to refute. A pro mortgage person would NEVER work there unless they got suckered in. They are primarily trying to sell the dvd package and a sign up.

Here is the info I filed on ROR back in May 2007:

New Key is same MLM Scam James

James, hate to tell you, but New Key is also the same type of MLM scam. They have a similar recruit mentality, although I will tell you not quite as pervasive.

I've worked for the same legit mortgage brokerage for 8 years in Corona, CA. Some guy who I met at the gym suggested I go to one of their recruitment meetings in Riverside. I walk in there to see people with ABSOLUTELY no experience in the mortgage world.

This little chickie named Angie Ramirez was making a big deal about her paychecks, flashing around photocopies. I've been to a few job interviews in my life and NEVER has anyone flashed cash like this. She was making a big deal about OWNING her $1.2 Million dollar home in Canyon Lake, CA. and about her TWO Mercedes.

As I said, I've been in this business for a long time. I looked up the title on her home and she has 2 mortgages on her property of $760,000 and $338,000, her house is worth maybe $1.1 million. Do the math on that and you see a property that is mortgaged to 100%. Oh, and do you know the 1st mortgage is an Option ARM? How smart is that in this economy?

Her Mercedes, both leased.

I did a property search for her name in LA, Riverside, Orange, San Diego and San Bernardino counties and no other properties like she was bragging about.

80%-100% commission splits? So what? If you can't get the loans closed because their contract processors suck, that looks like 100% of nothing to me.

They try to sell you on the idea that if you are DRE licensed, then you could be the buyers RE agent and get that 2%-3% RE split AND provide a loan and make 1% on the front and 3%-4% in YSP. That my friend is absolutely a violation of DRE canons of ethics. Why? The buyers RE agent has a fiduciary duty to see that the buyer gets the very best mortgage financing that the buyer qualifies for. Do you think the best mortgage is one that is significantly more expensive? A high school kid could see a conflict of interest in that equation.

Training? HAHAHAHAHAHAHAHA I asked some routine questions that a new loan officer in training would ask just to test them. They tried to BS me with answers because they clearly didn't know. Example: Explain how an Option ARM and negative really works. They push this type of loan to unsuspecting borrowers. (not what they would tell a borrower) Dude, this guy was clueless

A guy named Sean Verrete was talking about how he was going to retire by the time he was 25. Ya right. Again, a little research showed the guy doesn't even own a home, and had been evicted from his last apartment on Magnolia in Riverside.

All a bunch of BS. Think about this FACT. They are actively recruiting people who have ABSOLUTELY NO EXPERIENCE IN THE MORTGAGE BUSINESS! They are flashing around big checks as enticement to people desperate to make more money then they get paid selling phones at a kiosk at the mall.

One more thing. The mortgage business is shrinking very quickly right now. There have been about 25 non-prime wholesale lenders that have gone out of business since Oct. 2006. Guidelines are tightening up throughout our industry. There are less and less prople buying homes and refinancing because rates are higher. Back in 2002 though 2005 I was closing 12-15 loans per month easily. Now, it is about 6-8 per month.(
In closing, if you are any good at this business get with a legit brokerage that actually HAS training, has experienced and knowledgeable management, supplies real leads, helps you build a referral based business with realtors, gives you all the tools you need to be successful.

I absolutely hate it when companies like this recruit people to handle someone elses single largest financial obligation---their mortgage. Don't you see how this can be a very dangerous situation for the borrower?

I investigated working for them back in 2006 the first time. I posted the following report back in Spring 2007. Too bad you didn't do enough due diligence on them before you started. Nothing but a MLM scam for sure. Their in-house support is awful and takes forever to process a file. They had a limited supply of lenders back then even, when non-prime was alive.

I notice Angie didn't address your specific complaints, because there is nothing to refute. A pro mortgage person would NEVER work there unless they got suckered in. They are primarily trying to sell the dvd package and a sign up.

Here is the info I filed on ROR back in May 2007:

New Key is same MLM Scam James

James, hate to tell you, but New Key is also the same type of MLM scam. They have a similar recruit mentality, although I will tell you not quite as pervasive.

I've worked for the same legit mortgage brokerage for 8 years in Corona, CA. Some guy who I met at the gym suggested I go to one of their recruitment meetings in Riverside. I walk in there to see people with ABSOLUTELY no experience in the mortgage world.

This little chickie named Angie Ramirez was making a big deal about her paychecks, flashing around photocopies. I've been to a few job interviews in my life and NEVER has anyone flashed cash like this. She was making a big deal about OWNING her $1.2 Million dollar home in Canyon Lake, CA. and about her TWO Mercedes.

As I said, I've been in this business for a long time. I looked up the title on her home and she has 2 mortgages on her property of $760,000 and $338,000, her house is worth maybe $1.1 million. Do the math on that and you see a property that is mortgaged to 100%. Oh, and do you know the 1st mortgage is an Option ARM? How smart is that in this economy?

Her Mercedes, both leased.

I did a property search for her name in LA, Riverside, Orange, San Diego and San Bernardino counties and no other properties like she was bragging about.

80%-100% commission splits? So what? If you can't get the loans closed because their contract processors suck, that looks like 100% of nothing to me.

They try to sell you on the idea that if you are DRE licensed, then you could be the buyers RE agent and get that 2%-3% RE split AND provide a loan and make 1% on the front and 3%-4% in YSP. That my friend is absolutely a violation of DRE canons of ethics. Why? The buyers RE agent has a fiduciary duty to see that the buyer gets the very best mortgage financing that the buyer qualifies for. Do you think the best mortgage is one that is significantly more expensive? A high school kid could see a conflict of interest in that equation.

Training? HAHAHAHAHAHAHAHA I asked some routine questions that a new loan officer in training would ask just to test them. They tried to BS me with answers because they clearly didn't know. Example: Explain how an Option ARM and negative really works. They push this type of loan to unsuspecting borrowers. (not what they would tell a borrower) Dude, this guy was clueless

A guy named Sean Verrete was talking about how he was going to retire by the time he was 25. Ya right. Again, a little research showed the guy doesn't even own a home, and had been evicted from his last apartment on Magnolia in Riverside.

All a bunch of BS. Think about this FACT. They are actively recruiting people who have ABSOLUTELY NO EXPERIENCE IN THE MORTGAGE BUSINESS! They are flashing around big checks as enticement to people desperate to make more money then they get paid selling phones at a kiosk at the mall.

One more thing. The mortgage business is shrinking very quickly right now. There have been about 25 non-prime wholesale lenders that have gone out of business since Oct. 2006. Guidelines are tightening up throughout our industry. There are less and less prople buying homes and refinancing because rates are higher. Back in 2002 though 2005 I was closing 12-15 loans per month easily. Now, it is about 6-8 per month.(
In closing, if you are any good at this business get with a legit brokerage that actually HAS training, has experienced and knowledgeable management, supplies real leads, helps you build a referral based business with realtors, gives you all the tools you need to be successful.

I absolutely hate it when companies like this recruit people to handle someone elses single largest financial obligation---their mortgage. Don't you see how this can be a very dangerous situation for the borrower?

I investigated working for them back in 2006 the first time. I posted the following report back in Spring 2007. Too bad you didn't do enough due diligence on them before you started. Nothing but a MLM scam for sure. Their in-house support is awful and takes forever to process a file. They had a limited supply of lenders back then even, when non-prime was alive.

I notice Angie didn't address your specific complaints, because there is nothing to refute. A pro mortgage person would NEVER work there unless they got suckered in. They are primarily trying to sell the dvd package and a sign up.

Here is the info I filed on ROR back in May 2007:

New Key is same MLM Scam James

James, hate to tell you, but New Key is also the same type of MLM scam. They have a similar recruit mentality, although I will tell you not quite as pervasive.

I've worked for the same legit mortgage brokerage for 8 years in Corona, CA. Some guy who I met at the gym suggested I go to one of their recruitment meetings in Riverside. I walk in there to see people with ABSOLUTELY no experience in the mortgage world.

This little chickie named Angie Ramirez was making a big deal about her paychecks, flashing around photocopies. I've been to a few job interviews in my life and NEVER has anyone flashed cash like this. She was making a big deal about OWNING her $1.2 Million dollar home in Canyon Lake, CA. and about her TWO Mercedes.

As I said, I've been in this business for a long time. I looked up the title on her home and she has 2 mortgages on her property of $760,000 and $338,000, her house is worth maybe $1.1 million. Do the math on that and you see a property that is mortgaged to 100%. Oh, and do you know the 1st mortgage is an Option ARM? How smart is that in this economy?

Her Mercedes, both leased.

I did a property search for her name in LA, Riverside, Orange, San Diego and San Bernardino counties and no other properties like she was bragging about.

80%-100% commission splits? So what? If you can't get the loans closed because their contract processors suck, that looks like 100% of nothing to me.

They try to sell you on the idea that if you are DRE licensed, then you could be the buyers RE agent and get that 2%-3% RE split AND provide a loan and make 1% on the front and 3%-4% in YSP. That my friend is absolutely a violation of DRE canons of ethics. Why? The buyers RE agent has a fiduciary duty to see that the buyer gets the very best mortgage financing that the buyer qualifies for. Do you think the best mortgage is one that is significantly more expensive? A high school kid could see a conflict of interest in that equation.

Training? HAHAHAHAHAHAHAHA I asked some routine questions that a new loan officer in training would ask just to test them. They tried to BS me with answers because they clearly didn't know. Example: Explain how an Option ARM and negative really works. They push this type of loan to unsuspecting borrowers. (not what they would tell a borrower) Dude, this guy was clueless

A guy named Sean Verrete was talking about how he was going to retire by the time he was 25. Ya right. Again, a little research showed the guy doesn't even own a home, and had been evicted from his last apartment on Magnolia in Riverside.

All a bunch of BS. Think about this FACT. They are actively recruiting people who have ABSOLUTELY NO EXPERIENCE IN THE MORTGAGE BUSINESS! They are flashing around big checks as enticement to people desperate to make more money then they get paid selling phones at a kiosk at the mall.

One more thing. The mortgage business is shrinking very quickly right now. There have been about 25 non-prime wholesale lenders that have gone out of business since Oct. 2006. Guidelines are tightening up throughout our industry. There are less and less prople buying homes and refinancing because rates are higher. Back in 2002 though 2005 I was closing 12-15 loans per month easily. Now, it is about 6-8 per month.(
In closing, if you are any good at this business get with a legit brokerage that actually HAS training, has experienced and knowledgeable management, supplies real leads, helps you build a referral based business with realtors, gives you all the tools you need to be successful.

I absolutely hate it when companies like this recruit people to handle someone elses single largest financial obligation---their mortgage. Don't you see how this can be a very dangerous situation for the borrower?