The key is we just want them to come out and have some fun and have a chance to learn some of the proper ways to go about playing the game.

It's very, very wrong. They're manipulating the system.

Every state needs to do it and share the data. A crooked loan officer could leave Utah, for example, and come to Michigan to do that same fraud. Having a license requirement is not gong to stop mortgage fraud, but it would at least be another piece to slow it down.

We don't know if we'll take the money. We might just set it aside for now because we want the house back.