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

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1 THE MLS BROKER CARAVAN TUESDAY, AUGUST 11, 2015 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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4 A4 TUESDAY, AUGUST 11, 2015 THE MLS BROKER CARAVAN Mark Cohen #1 ORIGINATOR NATIONWIDE 2014 We close more deals even the toughest ones. Mark Cohen, Broker BRE#: NMLS#: markcohen@cohenfi nancialgroup.com Seth Cohen, Broker BRE#: NMLS#: seth@cohenfi nancialgroup.com Cohen Financial Group s flexible lending products and proprietary banking resources have helped Mark Cohen open more doors as the #1originator in the country.* From self-employed borrowers who have 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 more deals. We handle each client s situation with a unique, personalized approach, and when it comes to getting the right loan at the right rate for our client, we will do whatever it takes. With over $10 billion funded and over 18,000 loans closed we will find a way, even on the toughest deals. 671 Loans 2014 Production $644,912, Purchase Loans 216 Refinance Introducing: Sasan Abrams sabrams@cohenfinancialgroup.com BRE NMLS Originator Specializing in Multi-Family & New Development cohenfi nancialgroup.com P F Preferred lending partner for: 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA *By dollar volume in 2014, Scotsman Guide, April Cohen Financial Group, a division of CS Financial Inc. All Rights Reserved. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS#

5 THE MLS BROKER CARAVAN TUESDAY, AUGUST 11, 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. 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. Cohen Financial Group is a division of CS Financial, Inc., a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS# EQUAL HOUSING LENDER

6 A6 TUESDAY, AUGUST 11, 2015 THE MLS BROKER CARAVAN HAVING TEAM WHO A IS COMMITTED SUCCESS MAKES Jimmy Green NMLS# (310) TO YOUR ALL THE DIFFERENCE. Jud Whyte NMLS# (310) Whenever I need to get a deal closed quickly, I ALWAYS CALL FIRST CAPITAL and they always get the job done. ~ Delphine Mann Coldwell Banker Previews International Tom Amoruso NMLS# (805) Jesse Bishop NMLS# (818) Lance Kinkead NMLS# (310) Bruce Nangle NMLS# (310) At First Capital, our loan officers are dedicated to earning your business by providing customized financing options to meet your unique needs. They work hand in hand with your real estate agent to ensure that you are making the best choices for your financial goals. We only partner with Top Real Estate companies and you. LOCAL LENDING LOCAL DECISIONS LOCAL PEOPLE FirstCapitalmtg.com RMR Financial, LLC d/b/a First Capital, Lark Avenue, Los Gatos, CA NMLS ID #49456 ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. This is not a commitment to lend. Loan programs, rates and terms subject to change without notice and are subject to property and credit approval. For informational purposes only. Restrictions may apply. Your real estate professional is not a mortgage lender. Please contact your Loan Officer for information about mortgage products and your eligibility for home financing. August Ad (GLA).indd 1 8/4/15 5:23 PM

7 THE MLS BROKER CARAVAN TUESDAY, AUGUST 11, 2015 A7 YOUR LENDING PARTNER, EVERY STEP OF THE WAY. Community Banking Service with Big-Bank Tools. 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 Loan Production Offices 30 DAYS OR LESS AVERAGE CLOSE TIME B 2014 Home Loan Volume (in billions) 2.8B We asked over 2,500 Banc Home Loans clients to provide their feedback and the results are unanimously positive: 91% 96% give us the Service Rating of Excellent* indicated they would refer or recommend us to friends or family * 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 A DIVISION OF BANC OF CALIFORNIA 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

8 THE WORLD S FIRST DIGITAL MORTGAGE YOUR BUSINESS. ONLINE. ANYTIME. ANYWHERE. Instant AUS Approvals Easy Document Uploads Digitally Sign 1003 and Disclosures Free Tri-Merge Credit Scores We ve built the industry s most efficient technology so you can be the industry s most efficient originator. Be a rainmaker. Double your business. Contact us today to learn more Wilshire Blvd, Ste 350 Los Angeles, CA James Elliott Senior Vice President, Divisional Manager (310) James.Elliott@guaranteedrate.com guaranteedrate.com/calosangeles Guaranteed Rate is an Equal Opportunity Employer James Elliott 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 #

9 THE MLS BROKER CARAVAN TUESDAY, AUGUST 11, 2015 A9 LA WEST 14 BUSINESS DAY CLOSE GUARANTEE * 24 hr credit approval by Sr. Underwriters 24 hr underwriting turn time for Purchase loans ERIN HICKEY Branch Manager, nmls# erin.hickey@nafinc.com ELI WEINBERGER Sales Manager, nmls# eli.weinberger@nafinc.com SCOTT ENGEL Sales Manager, nmls# scott.engel@nafinc.com RICK KLEINFINGER Sr. Loan Consultant, nmls# rick.kleinfinger@nafinc.com JAY GOLDBERG Sr. Loan Consultant, nmls# jay.goldberg@nafinc.com DANIEL GAT Sr. Loan Consultant, nmls# daniel.gat@nafinc.com STEPHANIE KATES Sr. Loan Consultant, nmls# stephanie.kates@nafinc.com RON SEQUEIRA Loan Consultant, nmls# ron.sequeira@nafinc.com RAMIN LAVI Loan Consultant, nmls# ramin.lavi@nafinc.com JAMES GUZIK Loan Consultant, nmls# james.guzik@nafinc.com JOIN OUR TEAM CHRISTIAN CRANDALL Loan Consultant, nmls# christian.crandall@nafinc.com WILFREDO PERDOMO Loan Consultant, nmls# wilfredo.perdomo@nafinc.com TODD SEABOLD Regional Manager, VP LA West nmls# todd.seabold@nafinc.com VISIT US AT OUR LOCAL BRANCH OR GO ONLINE TODAY! 9465 WILSHIRE BLVD. SUITE 400, BEVERLY HILLS, CA branch.newamericanfunding.com/beverlyhills *14 business day guarantee only applies to purchase transactions. This guarantee does not apply to Reverse Mortgages, FHA 203k, loans that require prior approval from an investor, brokered loans, or loans with a 2nd td. The guarantee does not apply if events occur beyond the control of New American Funding, including but not limited to; appraised value, escrow or title delays, 2nd lien holder approval, short sale approval, or lender conditions that cannot be met by any party. The 14 day trigger begins when your initial application package is complete and you have authorized credit card payment for your appraisal. If New American Funding fails to perform otherwise, a credit of $250 will be applied toward closing costs. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - NMLS ID #6606. New American Funding. New American and New American Funding are registered trademarks of Broker Solutions Inc. dba New American Funding. All Rights Reserved. Corporate Office is located at Myford Road, Suite 100, Tustin CA Phone (800) /2015

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11 THE MLS BROKER CARAVAN TUESDAY, AUGUST 11, 2015 A11 AS SEEN IN THE No Tax Return Loans * Foreign National Loans From $500K to $25 million. Self Employed & Real Estate Investor OK Purchase, Rate and Term and Cash-out 30-Day Close! % % 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 5, 2015 Irrevocable Trust, Blind Trust, & LLC Vesting OK. Purchase or Refinance. Business Funds Allowed. CHRIS FURIE BRE NMLS chris@insigniamortgage.com #6 NATIONALLY RANKED MORTGAGE BROKER PER SCOTSMAN GUIDE DAMON GERMANIDES BRE NMLS damon@insigniamortgage.com #32 NATIONALLY RANKED MORTGAGE BROKER PER SCOTSMAN GUIDE 9595 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 appraised value. 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. Loan to values (LTV) are values based on a bank appraisal.

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14 Hello Santa Monica 1010 MONTANA AVENUE WINTER 2015

15 Gibson International believe s that exceptional service begins with extraordinary people. If you are looking for a new home that s authentic, creative, competitive and technology driven then our firm might be for you. The company you keep matters. Find out how surrounding yourself with top professionals and the Westside s best support can accelerate your business today.

16 Ewing SIR Announces Entertainment & Sports Division New Division to Serve Elite Clientele in Greater Los Angeles Area July 26, 2015 CALABASAS, CALIF. Roger Ewing is proud to introduce the Entertainment & Sports Division, a premier network of specialized agents within Ewing & Associates Sotheby s International Realty (Ewing SIR). The Division represents decades of experience catering to the real estate needs of high-profile clientele. As respected leaders in the industry, our Entertainment & Sports Division associates possess vast knowledge and experience maintaining a positive interface with business managers and private wealth bankers, working hand in hand to protect the investments of our clients. Utilizing our network of the most prestigious associates, in-house closing services and luxury marketing professionals, the Division will provide a specialized experience tailored to the unique needs of our clients in the entertainment and sports industries. The Entertainment & Sports Division of Ewing SIR is the next step in securing our firm s position as the go-to real estate brokerage for protecting the interests of highprofile clients. For more information about Ewing SIR, please visit our website at or call Roger Ewing directly at (310) Each office is independently owned and operated.

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21 126 TUESDAY, AUGUST 11, 2015 THE MLS BROKER CARAVAN Assistant Wanted for Top High End Luxury Real Estate Broker - Westside Savvy! The ideal candidate will: Be a team player who is highly creative, detail oriented, flexible Have 2-5 years Real Estate experience Ability to work well under pressure in a fast paced environment Strong administrative and organizational skills Mastery of the English language, both written and verbal, work within budgeting constraints Prioritize, deal with weekly and variable deadlines Have: initiative, creativity, self-motivation, personable demeanor, strong client and vendor interfacing and coordination skills Ability to manage databases, website and resolves software issues Proficient in the Microsoft suite: Outlook, Excel, Word, Power Point, DocuSign, Zipforms & the MLS Marketing/promotional experience a plus Must know the Westside! Salary commensurate with experience. This is a great opportunity for growth and development within a high producing real estate team! Please a cover letter and resume for consideration to: info@lindamay.com COLDWELL BANKER RESIDENTIAL BROKERAGE - BEVERLY HILLS NORTH 301 N. Canon Drive, Suite E Beverly Hills, CA Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Coldwell Banker Residential Brokerage office is owned by a subsidiary of NRT LLC. Coldwell Banker and the Coldwell Banker Logo, Coldwell Banker Previews International and the Coldwell Banker Previews International Logo, are registered service marks owned by Coldwell Banker Real Estate LLC.