STAGING AND INTERIORS RESIDENTIAL COMMERCIAL LUXURY FURNITURE LEASES WEST AND EAST COAST

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1 STAGING AND INTERIORS RESIDENTIAL COMMERCIAL LUXURY FURNITURE LEASES WEST AND EAST COAST

We combine the speed and agility of a decentralized mortgage lender, with the expertise and resources of a tier-one bank and our complete selection of portfolio lending products offer More Ways To

4 A4 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN My experience was the best I could imagine it being. The West Family, Laguna Niguel, CA 30 DAYS OR LESS AVERAGE CLOSE TIME WE HAVE MORE WAYS TO SAY YES! BANC HOME LOANS, a division of Banc of California N.A., (NYSE: BANC) has provided home loans to borrowers throughout California and across the West since We combine the speed and agility of a decentralized mortgage lender, with the expertise and resources of a tier-one bank and our complete selection of portfolio lending products offer More Ways To Say YES! to your buyers. Nick Sharp NMLS# (310) Nick.Sharp@banchomeloans.com FLEXIBLE PORTFOLIO LENDING Non-QM Experts Alternative Documentation 1-Year Tax Return 12-Months Bank Statements Asset Depletion Expanded Criteria (Second Chance) Programs: FICOs to 620* I/O Options Available on Most Programs *on exception only CONVENTIONAL LENDING Conventional Conforming ( Agency ) Agency High Balance Jumbo/Non-conforming Jumbo Conduits FHA, VA, CalHFA, USDA Renovation Lending: 203(k), HomeStyle, Construction Lending Home Equity Line of Credit (HELOC) Reverse Mortgages Niche Products We asked over 2,500 Banc Home Loans clients to provide their feedback and the results are unanimously positive: 91% give us the Service Rating of Excellent* 96% indicated they would refer or recommend us to friends or family * NICK SHARP NMLS# Nick.Sharp@banchomeloans.com banchomeloans.com/branch/beverly-hills *Third-party survey representing 2,542 client responses over a 365-day period, April 2014 to April Banc of California, National Association, dba Banc Home Loans. All rights reserved. Not all applicants will qualify. Some products offered by Banc Home Loans include modifi ed documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your Loan Offi cer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APR s and programs are subject to change at any time until locked-in. NMLS # EQUAL OPPORTUNITY LENDER MEMBER FDIC

MBREA Mark Cohen, Broker BRE#: 1016103 -

professionals getting more complex deals

including self-employed, high-net-worth,

Relationship-Based Client Experience The

5 Mark Cohen #1 ORIGINATOR NATIONWIDE* 2014 M DEALBREAKERS. MBREA Mark Cohen, Broker BRE#: NMLS#: markcohen@cohenfinancialgroup.com Seth Cohen, Broker BRE#: NMLS#: seth@cohenfinancialgroup.com We are the industry s top mortgage professionals getting more complex deals done than anyone else. Custom-Fit Solutions A unique and personalized approach to every situation including self-employed, high-net-worth, and foreign borrowers. Relationship-Based Client Experience The highest reputation in the industry with excellent rapport with Sellers Agents. Quick Closures Direct channel to banks executives for quicker approvals and unmatched professional expertise to get deals done. $10 Billion LOANS FUNDED 18,000 Transparency & Communication LOANS CLOSED Throughout The Entire Process Consistent execution on all loans with no surprises. 30+ YEARS EXPERIENCE Sasan Abrams sabrams@cohenfinancialgroup.com BRE NMLS Originator Specializing in Multi-Family & New Development cohenfinancialgroup.com P F *By dollar volume in 2014, Scotsman Guide, April Cohen Financial Group, a division of CS Financial, Inc. All rights reserved. Not all applicants will qualify. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS# Equal housing lender.

6 A6 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN LUXURY LOANS FOR LUXURY HOMES! Our jumbo loan program was created with your luxury homes in mind! With competitive pricing and industry leading turn times, Wintrust Mortgage knows how to handle your Jumbo needs. We re here for all of your needs, in Los Angeles, and across the nation. Don t forget that we can lend in all 50 states! High-touch customer service Quick turn times and funding A dedicated support team Variety of adjustable rate options Jumbo pricing Sherman Oaks 5990 Sepulveda Blvd., Ste. 400 Sherman Oaks, CA (818) Valencia Turnberry Ln., Ste. 200 Valencia, CA (661) Beverly Hills 350 S. Beverly Dr., Ste. 350 Beverly Hills, CA (310) Pasadena 200 S. Los Robles Ave., Ste. 230 Pasadena, CA (626) Palos Verdes S. Western Ave., Ste. 201 Palos Verdes, CA (310) Westlake Village 2555 Townsgate Rd., Ste. 315 Westlake Village, CA (818) Northridge Nordhoff St., Ste. 201 Northridge, CA (818) All approvals are subject to underwriting guidelines. Programs, rates, terms, and conditions are subject to change at any time. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank NMLS# Wintrust Mortgage KO

7 THE MLS BROKER CARAVAN TUESDAY, AUGUST 16, 2016 A7

GUARANTEED RATE IS PROUD TO ANNOUNCE: Francesco Foggia is a Top 1% Producer in the nation Source: Mortgage Executive Magazine s 2015 Top 1% Mortgage Originators list Francesco s product knowledge is

8 GUARANTEED RATE IS PROUD TO ANNOUNCE: Francesco Foggia is a Top 1% Producer in the nation Source: Mortgage Executive Magazine s 2015 Top 1% Mortgage Originators list Francesco s product knowledge is incomparable within the field of mortgage lending. No matter how complex the transaction is, Francesco goes a step beyond in everything he does while staying on top of emerging trends and providing innovative solutions. Across decades of experience in real estate, we have been fortunate to work with some of the best in the business. Francesco is among a select, top-tier group, and has earned our sincere endorsement. Charles L. Black III Executive Vice President Marketing & Strategic Development Hilton & Hyland partner with a top producer. Francesco Foggia Vice President of Mortgage Lending Wilshire Blvd, Ste 350 Los Angeles, CA office (424) cell (310) ff@guaranteedrate.com guaranteedrate.com/ff Andrew Soss NMLS ID:278442, LO ID# CA - CA-DBO NMLS ID #2611 (Nationwide Mortgage Licensing System CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #

THE MLS BROKER CARAVAN TUESDAY, AUGUST 16, 2016 A9 AS SEEN IN THE No Tax Return Loans * 310-859-0488 Foreign National Loans From $500K to $25 million.

655 % APR 5/1 Adjustable Rate Mortgage $500,000 - $4,500,000 60% LTV 1st Lien Loans Sampling of rates as of August 10, 2016 Irrevocable Trust, Blind Trust, LLC, & Limited Partnership Vesting OK.

9 THE MLS BROKER CARAVAN TUESDAY, AUGUST 16, 2016 A9 AS SEEN IN THE No Tax Return Loans * Foreign National Loans From $500K to $25 million. Self Employed & Real Estate Investor Recently Retired or Divorced 1031 Exchange OK % % APR 3/1 Adjustable Rate Mortgage $500,000 - $4,500,000 60% LTV 1st Lien Loans % % APR 5/1 Adjustable Rate Mortgage $500,000 - $4,500,000 60% LTV 1st Lien Loans Sampling of rates as of August 10, 2016 Irrevocable Trust, Blind Trust, LLC, & Limited Partnership Vesting OK. Purchase or Refinance. Business Funds Allowed. CHRIS FURIE BRE NMLS chris@insigniamortgage.com #11 #21 NATIONALLY RANKED NATIONAL MORTGAGE NEWS SCOTSMAN GUIDE TOP DOLLAR VOLUME 2015 DAMON GERMANIDES BRE NMLS damon@insigniamortgage.com #18 #33 NATIONALLY RANKED NATIONAL MORTGAGE NEWS SCOTSMAN GUIDE TOP DOLLAR VOLUME Wilshire Blvd., #205, Beverly Hills, CA Insignia Mortgage, Inc. *(1) These products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on bank appraisal. Actual closing times will vary based on borrower qualifications and loan terms. Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE # , NMLS # (2) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (3) Loan to Cost (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal.

A10 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN M.E. PROPERTIES WELCOMES ANNIE KOU TO THE TEAM! Annie is a Broker Associate as well as a Real Estate Attorney.

Specializing in luxury homes, she puts her attention to detail in all that she does while maintaining utmost discretion and integrity for her discerning clientele.

Annie is fabulous in working with both her foreign clients as well as local Californians. Whether you need advice on real estate investments or buying your first dream home, Annie is here to help.

$560,000 $750,000 DOW-AN ANNIE KOU BROKER ASSOCIATE & REAL ESTATE ATTORNEY CalBRE#01838472 310.666.1628 AnnieKouRealty@gmail.com www.anniekou.com www.meproperties.

10 A10 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN M.E. PROPERTIES WELCOMES ANNIE KOU TO THE TEAM! Annie is a Broker Associate as well as a Real Estate Attorney. Born and raised in Los Angeles County and an international traveler. Annie speaks multiple languages and is fluent in English and Mandarin Chinese; conversational Spanish; and basic Japanese. Specializing in luxury homes, she puts her attention to detail in all that she does while maintaining utmost discretion and integrity for her discerning clientele. Her unique skills gives her an edge that puts her a step ahead of a typical Realtor. Annie works in the greater LA area, San Bernadino County, and Orange County. Annie is fabulous in working with both her foreign clients as well as local Californians. Whether you need advice on real estate investments or buying your first dream home, Annie is here to help. NEW LISTINGS BY ANNIE KOU: 60 Crest Rd E, Rolling Hills, CA Josephine St, Lynwood, CA Southwestern St, Chino, CA & 6401 Southwestern St, Chino, CA $6,780,000 $560,000 $750,000 DOW-AN ANNIE KOU BROKER ASSOCIATE & REAL ESTATE ATTORNEY CalBRE# AnnieKouRealty@gmail.com Each Office Independently Owned and Operated. If your property is listed with another Broker, this is not a solicitation. Keller Williams Realty does not guarantee the accuracy of square footage, lot size, or other information concerning the condition or features of the property provided by the seller or obtained from public records or other sources and the buyer is advised to independently verify the accuracy of that information through personal inspection with appropriate licensed professionals. CalBRE#

11 The best of the best working for you. Top 200 (#180) Mortgage Originators in America 2015* I understand what it takes to keep all parties informed and provide a smooth and transparent mortgage process from pre-approval to closing. I specialize in Jumbo loans. I have full knowledge of the financial markets in relation to mortgage financing. I m dedicated to recognizing your client s individual needs. I have the ability to structure and explain complex loans in an easy and clear way. CONTACT ME TODAY, LET S GET TO WORK. Sam Batayneh SVP of Mortgage Lending Wilshire Blvd, Ste 350 Los Angeles, CA O: (310) C: (310) sam.batayneh@guaranteedrate.com guaranteedrate.com/sambatayneh Sam Batayneh NMLS ID: , CA - CA-DOC NMLS ID #2611 (Nationwide Mortgage Licensing System CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic # *Source: Sam Batayneh ranked 180 in Mortgage Executive Magazine s 2015 Top 200 Mortgage Originators in America list

Purchase, Rate/Term Refinance, and Cash Out Refinance. Mortgage Capital Partners provides more loan options than retail banks. Hector Zuniga VP, Mortgage Lending hzuniga@mortgcap.

12 Get the home loan you need. No tax returns required. Mortgage Capital Partners NO TAX RETURN LOAN Our No Tax Return Loan is designed to qualify borrowers by analyzing cash flow in personal or business bank accounts for the most recent 12 month period. Purchase, Rate/Term Refinance, and Cash Out Refinance. Mortgage Capital Partners provides more loan options than retail banks. Hector Zuniga VP, Mortgage Lending NMLS# OFFICES Los Angeles, CA Wilshire Blvd. Ste. 900 Los Angeles, CA Beverly Hills, CA 9595 Wilshire Blvd, Ste. 205 Beverly Hills, CA Calabasas, CA Calabasas Rd., Ste. 201W Calabasas, CA Westlake Village, CA 5701 Lindero Canyon Rd., Ste. 203 Westlake, CA Newport Beach, CA 1200 Newport Center Dr. Ste. 185 Newport Beach, CA Rockville, MD Montrose Rd. Rockville, MD Freehold, NJ 218 Schanck Rd. Freehold, NJ This is not an offer for extension of credit or a commitment to lend. Information for Real Estate Professionals only. Materials not intended for use by or distribution to consumers as defined by Section of Regulation Z, which implements the Truth-in-Lending Act. Minimum FICO, reserve, and other requirements apply. Programs are subject to change at any time until locked in. LTVs are based on appraised value. Not all applicants will qualify. Mortgage Capital Partners, Inc. is a lender under California Real Estate License # NMLS # Mortgage Capital Partners, Inc.

RODEO REALTY B E V E R L Y H I L L S Syd Leibovitch, President of Rodeo Realty, and John Gould, Manager of our Beverly Hills office, are proud to Welcome Ron Podell as Assistant

13 RODEO REALTY B E V E R L Y H I L L S Syd Leibovitch, President of Rodeo Realty, and John Gould, Manager of our Beverly Hills office, are proud to Welcome Ron Podell as Assistant Manager of our Beverly Hills office Office: Cell: rpodell@rodeore.com CalBRE License # Fine Estates 202 N. Canon Dr. Beverly Hills, CA

Arriving August 2016 A+ RATING FROM BBB TOP 100

INDUSTRY LEADING COMPENSATION BEST-IN-CLASS LOAN

14 Arriving August 2016 A+ RATING FROM BBB TOP 100 LENDERS IN THE NATION TOP OVERALL VOLUME #62 NATIONALLY (MORTGAGE EXECUTIVE) 21+ YEARS IN BUSINESS EXPERT IN-HOUSE MARKETING TEAM ACCESSIBLE LEADERSHIP INDUSTRY LEADING COMPENSATION BEST-IN-CLASS LOAN OFFICE SUPPORT Learn More JOINPERLTODAY.COM us

15 DOUGLAS ELLIMAN REAL ESTATE IS PROUD TO WELCOME BACHIR OUEIDA A dedicated agent, Bachir brings his unique skills in finance, contract negotiation and strategic marketing to his work. He understands that buying or selling a home is one of the most important transactions in life and he measures his success through the satisfaction of his clients Stephen Kotler Chief Revenue Officer Bachir s understated style belies his passion to work tirelessly on behalf of his clients. He is a true professional. Colin Keenan Senior Vice President & Managing Broker ELLIMAN.COM/CALIFORNIA 150 EL CAMINO DRIVE BEVERLY HILLS, CA

16 ESTATE PROPERTIES Congratulations July 2016 Top Producers Steve Miller Santa Monica Elizabeth Campos Layne Marina Del Rey Rory Posin WLA/Westwood Charles Le Beverly Hills Michael Tsvilik Santa Monica Robin Dahlstrom Marina Del Rey Charles Horwitz WLA/Westwood Jenny Chang Beverly Hills Robert Villanueva/Michelle Ghent The Suarez Team Jeffrey White & Lori Donahoo Santa Monica Top Team Marina Del Rey Top Team WLA/Westwood Top Team RE/MAX Estate Properties 700 Local Agents 17 Offices Luxury Residential Commercial Investment Division We support Children s Miracle Network of Hospitals Ranked #27 by Sales on the RIS Media Top 500 Power Brokers out of 82,000 real estate brokerage firms in the United States To join our expanding organization, contact Monte Hartman at (310) or MHartman@eplahomes.com

17 # JOIN THE 2 TEAM IN THE U.S.A. We re looking for : Buyer s Agents Listing Assistants Join our trendsetting team. Submit your resume with prior sales history and cover letter with California Real Estate BRE # to careers@haltonpardee.com. Work With The Westside Market Leader Ranked #1 in Sales for 2016 OFFICE I CAREERS@HALTONPARDEE.COM I HALTONPARDEE.COM I I #PARDEEON * Los Angeles Business Journal, Fastest Growing Private Companies, November 9, 2015 BRE#

18 A18 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN

20 A20 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN

We like complex ones.

THE MLS BROKER CARAVAN TUESDAY, APRIL 24, 2018 A1 AS SEEN IN THE Banks like simple loans. We like complex ones. Self-employed Real Estate Investors Retirees 1031 Exchange OK No Tax Return Loans 1 Foreign