Guides for Realtors and loan officers
Written for agents and originators weighing their next move. No listings, no buyer content.
Real estate careers
How to Get a Real Estate License in New York (2026 Step-by-Step Guide)
Every step to become a licensed real estate salesperson in New York: the 77-hour course, the state exam, eAccessNY, choosing a sponsoring broker, fees, timeline and an illustrative example timeline.
8 min read →How Real Estate Commission Splits Work in New York
A plain-language guide to real estate commission splits in New York: what a split is, how caps and fees work, what brokerages in Queens and Long Island typically offer, and how to compare plans.
6 min read →How to Choose a Real Estate Brokerage in NYC
The questions to ask before joining or switching real estate brokerages in New York City: splits, fees, training, technology, lender access and broker support.
7 min read →How to Transfer Your Real Estate License to Another Brokerage in New York
Step-by-step: how a New York real estate salesperson or associate broker changes sponsoring brokers through eAccessNY, what happens to pending deals, and how to time the move.
5 min read →Mortgage careers
Every Loan Program a LJ Mortgage Team Loan Officer Can Offer
The 14 loan programs LJ Mortgage Team loan officers place through wholesale lenders: FHA, Conventional, HomeReady, VA, DSCR, bank statement, 1099, ITIN, HELOC, commercial and construction, with minimum credit, down payment and DTI for each.
7 min read →How to Get a Mortgage Loan Originator (MLO) License in New York
Step-by-step guide to the New York MLO license: NMLS account, 20-hour SAFE course with NY content, the national test, background and credit checks, sponsorship, Form MU4, fees, timeline and an illustrative Long Island example.
9 min read →Mortgage Broker vs. Mortgage Banker: What It Means for a Loan Officer
For loan officers deciding where to work: how brokers and bankers differ in lender access, product range, pricing, compensation, licensing and day-to-day workflow.
6 min read →How Mortgage Loan Officers Generate Realtor Referrals
Practical ways for mortgage loan officers to build a referral network with real estate agents: speed, communication, program knowledge, and working where the agents are.
6 min read →How to Choose a Mortgage Company as a Loan Officer
The questions loan officers should ask before joining a mortgage broker or lender: lender access, LOS, processing, compensation, licensing support and referral sources.
6 min read →Have a question these did not answer?
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