I am a member from California State, Bay East Association of Realtors. I belive and trust my realtor network to help each others than non-members. "Something is better than nothing " that is my concept. The referral exchange is the best for me to help my clients who live thousand miles away from my town. I do reciprocal business as well. We offer no mortgage payment up to 1 year for buyer. Just send me referral and get something than nothing. Visit my web site at www.bayareahomesnetwork.com for home sale listings and for loan at www.landamericacorp.com.