I have not even gotten as far as the numbers, because the program lost me in the first couple months of using it. I actually even went to a few sales meetings in thoughts of possibly becoming an agent. Obviously agents are drunk with excitement over the product because this scam is making them money, and they feel legit. In my honest opinion I would not take an agents word on this program for anything, because at this meeting(possibly not all of them) the agents boasted about never going to college, and now they are going to make a fortune(most had not made a dime yet though). I should have got my stuff and left right then and there, why would I ever trust anything as important as my mortgage to someone who is not qualified. And are your ready for this......A guy at the seminar who said a month ago he was doing odd painting jobs, and still looked the part of a speculative painter, but handed me a business card that self-titled him a Loan Officer for U-First Financial....oh and Ernst and Young’s entrepreneur of the year 2008….Maybe the failed painter turned loan officer fed them some sweet lines.