We ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!

Transcription

1 THE MLS BROKER CARAVAN TUESDAY, JULY 15, 2014 A1 We ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25! Mary Bension Co-Owner & Escrow Manager Mireya Roudenko Sr. Escrow Officer Michael Farfel Escrow Officer Kilita Smith Sr. Escrow Officer Luz Lopez Escrow Officer Beth L. Peerce Co-Owner The Independent Escrow Company with the Best Service in Town 9454 Wilshire Boulevard Suite 901 Beverly Hills, California (310)

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3 Relax, Francesco s Got You Covered. I pride myself on only working with the best, and can assure you that I will continue to partner with Francesco on my most important deals! Josh Altman Hilton & Hyland Real Estate Francesco was my committed advocate throughout the entire lending process. You need someone who will be on your side and more worried about getting the loan done than you are. Francesco is that person. Molly Stephens, Partner Quinn Emanuel Urquhart & Sullivan, LLP Los Angeles My wife and I couldn t have asked for a more easy-going professional to educate us in the entire financing process, and made a daunting, difficult task seem easy and polished. Andrew T. Cohen, M.D., FACS Past Chief of Plastic Surgery, Cedars-Sinai Medical Center first closing is not the last time we will be working with Francesco. Success is all about aligning yourself with the right advisors, and Francesco is clearly a star player on our team. Debbie Miller Executive Vice President Domestic Theatrical Marketing, 20th Century Fox Francesco will leverage Guaranteed Rate s competitive advantage to get your deals done quickly and save your clients money, whether they re conventional or non-traditional buyers. call francesco today for info on loans up to $15 million! Francesco Foggia VP of Mortgage Lending Office: (424) Cell: (310) ff@guaranteedrate.com The information in this flyer is for the dissemination to and for the use of real estate entities only and is not an advertisement for the extension of credit to consumers. Guaranteed Rate NMLS ID:2611 CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act # Francesco Foggia NMLS ID: CA - CA-DBO Wilshire Blvd, Ste 350, Los Angeles, CA 90025

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6 A6 TUESDAY, JULY 15, 2014 THE MLS BROKER CARAVAN When your deal closes, we all succeed. Dear Mark, When both agents and clients ask me whom I work with for residential lending, I consistently recommend you. Why? Because you consistently demonstrate the amazing qualities that have made our transactions successful: vigorous tenacity to get the job done, fearlessness to meet the most challenging situations, and a forthrightness in quickly determining what s possible for the applicant up front. In addition, your ability to tap into a Thanks so much. I look forward to another thirty years of working together. Mike Deasy CEO / Co-Managing Director / Broker Deasy/Penner&Partners Cohen Financial Group s flexible lending products, propriety banking resources and expertise have helped Mark Cohen open more doors than any other mortgage originator in the country*. From self-employed borrowers with difficulty showing income to high net-worth borrowers wanting to use assets and income to repay a mortgage, we have the lending solutions our partners need to close the deal. Call Mark Cohen today at to see how we can open doors for you and your clients. Mark Cohen has originated more than $10.6 billion in residential loans and closed more than 19,000 deals since 1999.** He has also been named the #1 top mortgage originator in the nation by leading mortgage publications,* recognized for his lending options, fl exibility and expertise. P F Wilshire Blvd., Suite 801, Beverly Hills, CA Mark Cohen, Broker BRE#: NMLS#: Preferred lending partner for: Seth Cohen, Broker BRE#: NMLS#: Cohen Financial Group, a division of CS Financial, Inc.

7 THE MLS BROKER CARAVAN TUESDAY, JULY 15, 2014 A7 Game-changing deals. Done. Australian Citizen, No US Income $780K sales price, 20% down West LA No US tax returns, no paystubs. Used an employment contract from Australia in order to derive an income. Client had some US credit. No Tax Returns $1.1M sales price, 20% down payment West Hollywood 12 months bank statements used to qualify, no tax returns needed. 1 Year Tax Returns $1.35M sales price, 20% down payment Hollywood Hills 1 year tax returns, YTD P&L used to qualify. Short Sale $600K purchase price, 20% down payment, condo Long Beach Client had a short sale within the last 12 months. Condo: Only 43% owner occupied $1.05M 20% down, condo Santa Monica Only 43% owner occupied. Condo project approved based on the financial strength of the borrower. High LTV Jumbo $1.9M Sales price, 15% down West LA 85% LTV; 80% 1 st and 5% HELOC Gift Funds /Co-signers $2.5M purchase price, 20% down West LA Entire down payment came from gift funds. Clients are young doctors and needed a co-borrower. Super Jumbo High LTV $15M sales price, 30% down Los Angeles High loan to value, turned down by multiple major banks. Income Structure Change $1M sales price, 20% down Miracle Mile Client went from being a salary employee to commission wage earner. Demonstrated historically strong income for the client. $611,690,019 Total Loan Volume (2013) 648 Loans Closed (2013) 28 Days Average Closing Time 29 Years In the Industry Actual closing times may vary based on individual borrower qualifi cations and loan terms. Certain guidelines apply. Some products offered by Cohen Financial Group may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. LTVs based on appraised value. Rates, programs and APRs subject to change at anytime without prior notice. See broker for complete details. Not all applicants will qualify. *By dollar volume according to Mortgage Executive Magazine, Top 200 Originators in America 2013, Origination News and Scotsman Guide, Top Originators, **Mortgage Originator, Cohen Financial Group is a division of CS Financial, Inc., a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS#

8 INTERIORS AND STAGING WEST AND EAST COAST Photo: David Heath

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11 When it comes to the lending process, the last thing you want are delays. Delays can cost the buyer money, hurt reputations and even derail transactions. We understand this, and that s why we re committed to providing a timely, locally, ensuring a smooth route to closing, and on to their new home. Call one of our Westside mortgage experts today. Jonathan O Donnell Buddy Epstein Caroline McPherson Adam Silverman Shawn Ahmadi Wilshire Blvd., Suite 602 (at Canon) Beverly Hills Certain limitations, conditions, and fees may apply. Rates, terms, conditions and availability are subject to change or withdrawal at any time and without notice. Other conditions and restrictions may apply Bank of Manhattan, N.A., NMLS#

12 AGENTS: Double your business and dominate your market. With Partner Xchange, get 24/7 access to the tools that have helped agents close transactions and growing. LOAN STATUS MONITOR Always know the status of your clients home loans automatically, from application all the way to closing, in real time, 24/7. ENJOY MAGAZINE monthly, personalized, free e-magazine via social networks and . SOCIAL RADIO LIVE Learn how to grow your network with social media tips, videos, and resources, sent CUSTOM FLYERS any time a free and instant solution for promoting your listings or services. CUSTOM WIDGETS Our custom widgets are easy to add to your mortgage tools. COACHING SERIES AND MORE Get tips, ideas and advice from top real estate agents featured in our Real Estate Coaching Videos. CONSUMER XCHANGE Market yourself to clients searching for realtors they can see your picture and a Partner Xchange contact James Elliott at or james.elliott@guaranteedrate.com NMLS ID: Wilshire Blvd, Ste 350, Los Angeles, CA 90025

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17 CS FINANCIAL: INNOVATIVE PRODUCTS FOR UNIQUE BORROWERS. At CS Financial, we re creating real estate opportunities and qualifying more self-employed and non-traditional borrowers with our innovative, industryleading portfolio loan programs, including: 1-YEAR TAX RETURNS PROGRAM DEPLETION OF ASSETS PROGRAM PORTFOLIO FULL DOC EXPANDED CRITERIA PROGRAM Give your clients a second chance at homeownership with our special 5/1 & 7/1 ARMs. Designed for borrowers with less-than-perfect credit: short sale, foreclosure, deed-in-lieu, BK, and mortgage lates are acceptable Minimum FICO: MONTH BANK STATEMENTS PROGRAM Designed for self-employed borrowers with 12 months of personal or business bank statements. Loan amounts to $3.5M and LTV up to 70%. Call today to put our powerful in-house lending platform to work for you and your clients. BEVERLY HILLS: 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA P F CALABASAS: Calabasas Road, Suite 203, Calabasas, CA P F CS Financial, Inc. All rights reserved. Not all applicants will qualify. Some products offered by CS Financial include modified 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 Officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APR s and programs are subject to change at any time until locked-in. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate. BRE NMLS 31132

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19 THE MLS BROKER CARAVAN TUESDAY, JULY 15, 2014 A Insignia Mortgage, a division of CS Financial, Inc. Not all applicants will qualify. *These products require other forms of income documentation and asset verification in lieu of tax returns. 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 quoted at 1.5 points. Rates, points and APRs and programs are subject to change at any time until locked-in. LTVs are based on appraised value. Actual closing times will vary based on borrower qualifications and loan terms. Insignia Mortgage is a division of CS Financial, Inc., a broker licensed by the CA Bureau of Real Estate BRE # NMLS #31132.

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24 A24 TUESDAY, JULY 15, 2014 THE MLS BROKER CARAVAN We here at Center Theatre Group are thrilled to be working with you, and look forward to you joining us at one of our three theatres. This partnership will give Beverly Hills/Greater Los Angeles Association of REALTORS members access to tickets before they become available to the general public, and a variety of pricing options. Below are some of our upcoming productions for which you can purchase specially-priced tickets. Just click the special offer text at the bottom of each listing Select a performance in bold Choose your seats Choose the discounted price where available and purchase your tickets The productions and offers will change regularly, so make sure you revisit often. If you bring a group of or more, you can purchase tickets even earlier and have the best availability of performances. We can even help in finding transportation to the theatre, and in planning for a reception before or after the show in some amazing spaces nearby. We look forward to seeing you at the theatre!

25 118 TUESDAY, JULY 15, 2014 THE MLS BROKER CARAVAN Robbie Sedway Goodbye to our friend a good man, a great manager. We will miss you, Robbie. Jill and Eddie