Everything that I read is from agents thinking that they have to be a pro at both and then there is the conflict of interest part. Did you know that there is a system out here that allows you to add the mortgage part with you not having to become a pro at it. You have a super processing center full of pro's that do that part for you. You are just the sales rep for the loan. Sure you have to have the license to play the game. You just bird dog it, do 30% of the work and get paid 70% of the commission. This way it does not take away from your Real Estate transactions, And there is a mortgage pro behind the scenes processing & coordinating the loan so there is no conflict anymore. For us Hybrid Agents that are part of this system that are Realtors and we have added Bird Dogging Residential & Commercial Loans, Money for Assets Under Professional Management and Insurance & Annuities accounts, We are creating more income from less customers with no conflict and our customers are VERY HAPPY. It is called One Stop Shopping, you call it a conflict and having to wear to many hats. Are we not here to give the customer what they are asking for? The customer has spoken. A recent survey showed that 70% of people would rather work with the same agent for everything if they liked and trusted that agent. We Aim To Please. You are just going to have to open your minds up and look at the NEW way of doing business or you will be at the end of the parade instead of the front. And by the way, We are able to build a team of these Hybrid Agents nation wide and earn overrides from the teams production. Lance & Elaine, Happy Hybrid Agents! - Sat Aug 11 2007, 20:42