Beware of Newkey Financial Corp dba Newkey Home Loans. The pay structure (100% commissions and Royalty system) is 100% illegal under both HUD and the CA Dre regulations. Agents please verify the pay structures with the DRE and HUD before entering into such agreements. You may become fully responsible which could compromise your licensing under the DRE and the ability to work with HUD in the future. They are currently being investigated by both the DRE and DOC. See -http://www.corp.ca.gov/FSD/08pdf/4130602.pdf read full review »