why don't you tell the consumers(buyers) that you will charged them points on their loans and on top of that you will make additional commission for every loan you closed. BTW. On your intro to the end of your BLAH BLAH BLAH.... I didn't saw you offering part of your commission to buyers. YOU SHOULD PROVIDE A LIST OF BANKS AND MORTGAGE BROKERS WHO WILL HELP THEM PAY CLOSING COST TO ALL BUYERS.... WOW... I thought loan officers like you were long gone. I guess not!!!