Interesting comment to say. Its not a profit for me to keep. Only commission based income. The bank make the profits off interest rate to run branches, offices, bankers like me, pay the employee, pay for their 401k etc... That part of business.

However, there are many banker who has bad practices of business ethics. Apparently you speak of those bad bankers/brokers that rip off people. I have seen a lot damages from bad bankers. I do opposite. I give best interest rate as possible available on market accord to Fannie Mae guideline. Normally good broker/banker will charge standard 1-2% for their services. A bad banker is 3-5% as law permit. Few years ago, it could go up to 10-15%. Recently law passed in certain states that only can charge up to 5%. I have been practicing 1% upfront for easy loan, 1.5% for more difficult loan and time consuming loan.

Can you give me more information on offshore banks? be more specific. I am mortgage banker and do housing loans. Offshore bank more likely do not do mortgage loan in USA. Only in country they can do their loan. Depend on situation.

I think the word greedy is a powerful word to use if you dont know who I am. I know other people have hurt many deaf. If you get chance to videophone, I am fluent ASL and deaf. Google my name, it will lead you to Gallaudet. And California and Missouri. All places I have lived and attended in last 15 years. I cannot hide. I care about deaf community so much about financial education. That why I am overseeing new non-profit organization to focus on financial education. WWW DFEC ORG Deaf Financial Education Center.

Also the whole purpose of DFEC and Deaf Service Division is to provide full communication accessible. You will learn more tips and secrets that hearing people will not write down on a note to you. hearing people do good enough, I tell you more details.

What suppose if you are the banker and how come with your greedy profits for yourself? I do not understand about offshore banks are offer 1% daily increase compare with 3 to 7% increase by 3 or 4 times per year? How you deal with them that if they think you are a thief banker by the interest rates? You need to be honest with everyone than convience them with a slurp advertise and take their money out from their pocket. You are similar like uncle sam !!! If we want to have deaf bank and you will need to think about alike offshore bank and provide them to benefit with interest rates in varied from minumum to maximum deposit in their own private personal account. Thanks, donny