Bye the way I have held my ARM for over 10 years and my CPM for about 4 years...they are very rigorous to earn.

As well as HCCP...Housing Credit Certified Professional for about 7 years...working with moderate income housing

As well as being a licensed broker in the state I practice in...

As well as being president of the state's local chapter of IREM...

Ok...enough ranting on about this...