WHAT SETS ME APART FROM THE REST IS THAT I AM VERY PATIENT BUT MOST OF ALL I LIKE TO EXPLAIN TO THE PROSPECTIVE BUYER WHAT ARE POSSIBLE COSTS THAT THEY WILL INCUR. THERE ARE NO SURPRISES.  I AM NOT OUT TO TAKE ADVANTAGE OF FIRSTIME HOMEBUYERS ESPECIALLY.  JUST BECAUSE THEY MAY QUALIFY FOR A $1,000,000 HOME DOESN'T NECESSARILY MEAN THEY CAN AFFORD IT. SO I FEEL IT IS IN MY AND THEIR BEST INTEREST TO GET THEIR FEET WET WITH A HOME THAT IS NOT ABOVE THEIR MEANS BUT WITHIN THEIR MEANS.  IF THIS MEANS LESS COMMISSION FOR ME THEN SO BE IT . I'D RATHER HAVE A CLIENT FOR LIFE AND THEIR REFERRALS OF FAMILY AND FRIENDS THEN TO SEE THEM MISSERABLE AND STRUGGLING TRY TO MAKE THOSE MTG. PAYMENTS AND MAKE A POSSIBLE ONE TIME  NICE COMMISSION.  I LIKE TO LOOK AT MY CLIENTS AS SOMEONE THAT IS ENTRUSTING ME TO ASSIST THEM IN MAKING THE RIGHT DECISION NOT FOR JUST THE TIME BEING BUT FOR THE LONGHAUL!! WITH 8 YRS UNDER MY BELT AND ASSISTING MY CLIENTS WITH DIFFERENT PROGRAMS TO ASSIST THEM WITH DOWNPAYMENTS ETC... PROVES THAT PATIENTENCE + PERSISTANCE = SUCCESS!!  LAST BUT NOT LEAST I HAVEA BA TIN BUSINESS MGT. AND AN ASSOCIATES IN HEALTH SCIENCE.  THERE IS NO CATEGORY OF RE I CANNOT HANDLE AND I AM NOT PREDJUDICE (MEANING I WILL SELL CHEAP PROPERTIES TO LUXURY PROPERTIES AS WELL AS COMMERCIAL PROP.)