Cohen gets you there fast.

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4 A4 TUESDAY, MARCH 17, 2015 No matter your destination, Cohen gets you there fast. Lender Cohen Financial Group Cohen Financial Group Cohen Financial Group Cohen Financial Group Big Bank Online Lender Credit Union Loan Type Purchase Refinance Jumbo Purchase Cash-out Refi Refinance Purchase Purchase Status On Time On Time On Time On Time Delayed Canceled Canceled # 1* TOP ORIGINATOR NATIONWIDE Mark Cohen, Broker BRE#: NMLS#: Seth Cohen, Broker BRE#: NMLS#: At Cohen Financial Group, we transform needs into ACTION and develop real-life solutions for all types of transactions. Whether your client is a self-employed borrower with a unique financing scenario, or an individual who may not meet the traditional lending guidelines, we offer sound solutions for the most complex lending needs. Cohen Financial Group is truly a departure from the ordinary. Call Mark Cohen today at and put our lending expertise to work for you. P F Preferred lending partner for: 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA cohenfinancialgroup.com 2015 Cohen Financial Group, a division of CS Financial, Inc.

5 TUESDAY, MARCH 17, 2015 A5 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#

6 A6 TUESDAY, MARCH 17, 2015 YOUR LENDING TEAM On The Westside! Dana Dukelow Senior Loan Officer NMLS# Direct: efax: Doug Burton Branch Manager NMLS# Direct: Fax: V. Amayakyan Loan Originator NMLS# Direct: Fax: Nancy Everett Senior Loan Officr NMLS# Direct: (LOAN) Fax: Don Reich Mortgage Consultant NMLS# Direct: efax: Amy Lee Senior Mortgage Consultant NMLS# Direct: efax: Joel Newton Senior Mortgage Consultant NMLS# Cell: efax: We have more options to give your clients more control over their finances. Mortgage Bank and Direct Lender Products that work for your clients Local panel of appraisers World class customer service Call us today to see how we can work for you! Beverly Hills 350 South Beverly Drive, Suite 350 Beverly Hills CA (310) Sherman Oaks Ventura Boulevard, Suite 490 Sherman Oaks CA (818) This information is intended for mortgage and real estate professional use only and is not an advertisement to extend customer credit as defined by Section Regulation Z. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank NMLS# Wintrust Mortgage KO

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8 A8 TUESDAY, MARCH 17, 2015 a strong team just got stronger. Buddy Epstein Senior Loan Consultant NMLS# Luther Burbank Mortgage 233 Wilshire Blvd. Suite 150 Santa Monica, CA direct cell bepstein@lbmtg.com Luther Burbank Mortgage proudly announces the addition of Buddy Epstein. Buddy joins a business focused on exceptional service provided by professionals who tap an innovative blend of Portfolio Lending, Mortgage Banking and Mortgage Brokering to deliver compelling loan programs. Your customers want their deals done quickly. You want their deals done quickly. Call Buddy to get started today. Beverly Hills Burbank Encino Pasadena Santa Monica 2015 Luther Burbank Mortgage. This is not an advertisement for an extension of credit or a commitment to lend as defined by Section , Regulation Z. Luther Burbank Mortgage is a division of Luther Burbank Savings, a Federally Chartered Savings Association. NMLS#

9 Area: 01 ID # Color OHG :12:15 TUESDAY, MARCH 17, 2015 A9 There is no substitute for Experience LOCAL LENDING. LOCAL DECISIONS. LOCAL PEOPLE. With more than 20 years in the industry, we are your smart mortgage professionals. Our size, strength and experience give us the unique ability to adapt to changing market conditions and opportunities. First Capital ensures every facet of your transaction start WR ÀQLVK ³ LV KDQGOHG ZLWK SURIHVVLRQDOLVP DQG GHGLFDWLRQ 2XU ORDQ RIÀFHUV OLYH DQG ZRUN LQ \RXU FRPPXQLW\ DQG understand the local market. Contact your First Capital loan consultant today. FC First Capital A Mortgage Company FirstCapitalmtg.com First Capital is a Residential Mortgage Lender, and an RMR Financial company, licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act, license # *AllClear GuaranteeTM in place upon completed loan application with First Capital

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11 TUESDAY, MARCH 17, 2015 A11 LA WEST JOIN OUR TEAM! LA WEST BRANCH OFFICES Call today and join our growing company! TODD SEABOLD Vice President LA West NMLS# ELI FAIRFIELD Vice President LA West NMLS# Licensed by the California Department of Business Oversight under the Residential Mortgage Lending Act License # NMLS ID#6606. New American Funding. New American and New American Funding are registered trademarks of Broker Solutions, DBA New American Funding. All Rights Reserved. 11/2014

12 Mortgage Capital Partners Mortgage Capital Partners proudly welcomes MARK SIMON We are thrilled to announce that Mark Simon has joined Mortgage Capital Partners. Mark is a mortgage expert with over 28 years of experience in the industry, and he will be joining us as Vice President of Sales. - Carolyn Chang & Mitchell Reiner About Mark: Mark s experience includes, originating and funding over $2 billion in residential loans, leading him to be consistently ranked among the top 200 loan originators in the nation. Mark s integrity and professionalism have played an integral role in developing his valued clientele. He is as equally skilled in working with his clients directly as he is with their financial advisors and the real estate community. Mark Simon Vice President, Sales NMLS# mortgagecapitalpartners.com Direct: msimon@mortgcap.com Wilshire Blvd., Suite 900 Los Angeles, CA Ivy Glen Drive, Ste. 170 Laguna Niguel, CA Interest-Only 80% LTV to $2m, 65% LTV to $3m loan amount 89.9% Loan-to-Value up to $1.5m loan amount with no MI 55% Debt-to-Income Ratio on Jumbo ARMs No Tax Returns Self-employed, use bank statements Delayed purchase Recoup funds from an all-cash purchase Asset Utilization Use assets as income for qualification 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.

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19 TUESDAY, MARCH 17, 2015 A19 L I S T I NG COORDINATOR Sally Forster Jones Group is searching for new talent to join our team! We are currently looking for a full time listing process. This position will act as the point person for answering client questions, scheduling, managing and entering MLS data, and producing documents and tools for listings. We need someone with charm, charisma, PRIMARY RESPONSIBILITY: Manage each listing, starting with the listing appointment, until each listing goes under contract. OTHER RESPONSIBILITIES: marketing preparation, Listing Presentation - Listing Secured - MLS Management, Coordinate Photography/Videos, Client Preparation - Marketing Campaign Launch Coordinated with Marketing Director - Open House Management - Lease Management - All listing activities, Craigslist, Westside Rentals Launch as directed to agents and follow-up on conversion REQUIREMENTS: - CA Licensed real estate salesperson - Great attention to detail - Previous customer service experience For consideration, please your resume and cover letter detailing why you are the perfect candidate for this position to: marketing@sfjgroup.com

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22 A22 TUESDAY, MARCH 17, 2015 NOW AVAILABLE... Click The BETA GO Button from Any of Your Mobile Devices. Try It... It Is Simple and Intuitive! Call a LIVE Customer Service Representative to find out more! or

23 TUESDAY, MARCH 17, 2015 A23 The New Mobile Friendly Report Module! NEW One Line Report NEW Agent Detail Report NEW Listing Brief Report Additional New Features Include: Easy to Use New Export Feature - Hotsheet Functionality - CMA Stats Report Enhancements - Drag and Drop Columns and Rows - NEW Listing Brief Report - Menu Bar Access to Your Favorite Features - Easy to Build Custom 1 Line Reports. Coming Soon: Multi-Level Sort Improved Market Analysis Report NEW Detail Report PDF w/photo Gallery Call a LIVE Customer Service Representative to find out more! or

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