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 OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 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)

2 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 12-MONTH BANK STATEMENTS PROGRAM SUBSTANTIAL ASSETS PROGRAM NEW: 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: 660 NEW: NO RATIO 49.9 PROGRAM Designed for high net-worth owner-occupied borrowers with superior credit, liquid assets, and reserves. Loan amounts to $3.5M and 49.9% LTV with 50% down, mid-fico, and 36-months reserves. 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 Dept. of Real Estate. DRE NMLS 31132

3 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A3 CS COMMERCIAl: The Owner-Occupied Specialists We have Conventional, SBA 504, and SBA 7a covered! Recently Closed $830,000 Conventional Refinance Arranged the 1st TD refinance for a building (while subordinating the 2nd TD 504 Loan). The property is currently owned and operated by a large cosmetics distributor. $660,000 SBA 504 Purchase Arranged a 90% LTV SBA 504 loan for a 1,500 SF mixed use building in Silverlake. The property will be utilized by a production company. $4,650,000 SBA 7a Purchase Arranged a 90% LTV SBA 7a loan for a 60,000 SF office building located in Downtown Los Angeles. The property will be utilized by a garment company. $2,040,000 Conventional Refinance Arranged the refinance of both a 1st and 2nd TD for a 6,810 SF newly constructed building in Culver City. The property is utilized by a prominent architecture firm. Why do referral partners trust CS Commercial? One-Stop Shop: Owner-Occupied, SBA, Investor, Apartment, Fannie Mae, Private Money Resources: Largest Banking Network in SoCal Control: In-House Underwriting, Packaging Deals To Close Guidance: We Set Realistic Expectations, Handling Deals Start-To-Finish Reputation: Over $100MM in Closed Transactions Throughout 2013 Contact The CS Commercial Team at / CS COMMERCIAL Christopher I. Farlow - cfarlow@csfinancial.com Brett Twente - btwente@csfinancial.com 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA P: F: Christopher I. Farlow Brett Twente Contact the broker for complete program guidelines, restrictions, and eligibility requirements. Programs, rates, and APRs subject to change at any time without prior notice. CS Commercial is a division of CS Financial, Inc., a real estate broker licensed by the CA Dept of Real Estate, license# NMLS#

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6 A6 TUESDAY, NOVEMBER 5, 2013 THE MLS OPEN HOUSE GUIDE To perform in this business, you have to have the right tools. Fast Closing 30 Days or Less Commonsense Underwriting No Tax Returns Flexible LTV Foreign National Lending 20 Years Experience, over 19,000 Loans Cohen Financial Group has the right tools to close your deal. Mark Cohen has built his reputation as the #1 mortgage originator in the country by providing personalized financing solutions on over $10.6 billion in residential loans, and more than 19,000 closed deals since Call today, and put Cohen Financial Group s lending resources and experience to work for you. Mark Cohen, Broker DRE#: NMLS#: Flexible portfolio lending: No tax return, bank statement, and asset-based loan programs** Reduced doc/no tax return loans to $10,000,000 Aggressively priced portfolio loans Preferred lending partner for: 9595 Wilshire Blvd., Suite 801 Beverly Hills, CA P F Actual closing times will vary based on borrower qualifi cations and loan terms. **These products may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. 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 Origination News, Top 200 Originators, 2012 and Scotsman Guide, Top Originators, Cohen Financial Group is a division of CS Financial, Inc., a real estate broker licensed by the CA Dept of Real Estate, lic# , NMLS#

7 up to $3M5/1, up to $3M5/1, THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A7 Cohen Financial Group has the right tools to open any door. Guaranteed close in 30 days or less from package completion. New Program New Program New Program $ 5MFixed up to $3M30 Year Up to 80 % Up to $ 3M 5/1, 7/1, 10/1 ARMs available. 75 % Up to $ 4M 5/1, 7/1, 10/1 ARMs available. Cohen Financial Group has the banking resources and expertise to close complex loan transactions for self-employed borrowers. High LTV Product: 90% to $750K, 85% to $2M Max Sales Price NEW PROGRAM, LOW RATES: 3.000% % APR 5/1 ARM ($0-$2,000,000).375% 3.16% APR 3 7/1 ARM ($0-$2,000,000).875% 3.43% APR 10/1 ARM ($0-$2,000,000) All loans 80% first trust deed (No I.O.) with 5% lender carried back line of credit. Rates as of 10/29/2013 See broker for complete details of completed loan package. Actual closing times may vary based on individual borrower qualifi cations and loan terms. Certain guidelines apply. LTV based on appraised value. 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. 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 Origination News, Top 200 Originators, 2012 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 Dept of Real Estate, lic# , NMLS#

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10 A10 TUESDAY, NOVEMBER 5, 2013 THE MLS OPEN HOUSE GUIDE Home lending minus the roadblocks DRiVE your business FORwaRD with EVERbank You don t have to cross your fingers anymore hoping the loan closes. We make the process easy from tailoring a mortgage to your clients financial picture to guiding them to a hassle-free closing. Time to get into the driver s seat. Extensive product selection including multi-million dollar financing Flexibility to guide clients through complex and one-of-a-kind situations Specializing in the Southern California market Contact us to learn more steve haddad Retail Branch Manager NMLS ID: steve.haddad@everbank.com stevehaddad.com ken kamins Retail Sales Manager NMLS ID: ken.kamins@everbank.com kenkamins.com Moshe niv Senior Mortgage Loan Officer NMLS ID: moshe.niv@everbank.com everbank.com/mniv Call today for a free preliminary approval 1 Visit OUR OFFiCE 2829 Townsgate Road, #103 Westlake Village, CA An EverBank preliminary approval is based on information provided and current market conditions and is not final loan approval. Until a property is identified and the rate is locked, the interest rate and other loan terms and conditions may change without notice. Applications must meet our lending standards at the time of final approval, including an acceptable appraisal and validation of credit and underwriting information. 13ERM0286. NMLS ID: EverBank. All rights reserved.

11 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A11 Beverly Hills 433 N. Camden Dr. Ste. 510 Beverly Hills, CA Our Beverly Hills MARA Escrow team would like to thank you for your continued business. Cheryl Noah Branch Manager Linda Drumm Escrow Officer Connie Kaiser Escrow Officer Sepi Amirianfar Escrow Officer Cory Schwab Escrow Officer

12 Keller Williams Los Feliz proudly welcomes Mack MacReady On behalf of the team I thank you for your partnership. Welcome to Keller Williams Los Feliz Gary Reavis Team Leader garyreavis@kw.com

13 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A13 Wintrust Mortgage s S U P E R J U M B O L O A N S! Loan Amounts Up To $10 Million! Fixed Rate Interest Only ARMs Purchases and Cash-Out Refinances No Prepayment Penalties Primary, Second, Investment Properties OK Asset Based Income (Asset amortization is a calculation used to generate a monthly income stream from a borrower s personal assets) Call us today to learn more about our Super Jumbo options! Keith Jacobs SVP, Regional Sales Manager NMLS # (818) Ext 211 Cell: KJacobs@WintrustMortgage.com Keith Dardick Senior Mortgage Consultant NMLS # (818) Ext 201 Cell: KDardick@WintrustMortgage.com Larry Rappoport Vice President NMLS # (818) Ext 241 Cell: LRappoport@WintrustMortgage.com Sherman Oaks Ventura Boulevard, Suite 490 Sherman Oaks CA Beverly Hills 350 South Beverly Drive, Suite 350 Beverly Hills CA 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. ARM Interest rate is variable and subject to increase after settlement; Annual Percentage Rate (APR) may increase in the future. If the down payment is less than 20% and based on the selected program and term of the loan, monthly mortgage insurance may be required. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Wintrust NMLS# Wintrust Mortgage

14 A14 TUESDAY, NOVEMBER 5, 2013 THE MLS OPEN HOUSE GUIDE You found your dream home. Choose a mortgage to match. Experience a world of choice with Jumbo Loans from Union Bank. When it comes to larger loans, your options can be limited. At Union Bank, we broaden your choices and offer our most competitive rates on larger home loans. 1 Whether you re buying or refinancing, we make our best options available to you: Variety of Loan Programs have more choices with an assortment of fixedor fixed/adjustable-rate jumbo loan programs up to $5 million. Zero Point Options reduce your out-of-pocket expenses at closing, and still get a great rate on your mortgage. Interest-Only Payment Option make lower monthly payments and maximize your potential tax deduction. (Consult a professional tax advisor.) 2 Portfolio Lender receive specialized underwriting on the most complex mortgages for loan amounts above $5 million, on a case-by-case basis. Get personalized service and great rates with a Union Bank Jumbo Loan. Beau Lazar Mortgage Consultant NMLS ID # beau.lazar@unionbank.com Rafael Mendez Mortgage Consultant NMLS ID # rafael.mendez@unionbank.com Charles Miller Mortgage Consultant NMLS ID # charles.miller@unionbank.com Kevin Ray Mortgage Consultant NMLS ID # kevin.ray@unionbank.com Anish Singla Mortgage Consultant NMLS ID # anish.singla@unionbank.com Sid Patwa Mortgage Consultant NMLS ID # sid.patwa@unionbank.com Dan Cobb Mortgage Consultant NMLS ID # daniel.cobb@unionbank.com Kenneth Villa Mortgage Consultant NMLS ID # kenneth.villa@unionbank.com David Rubenstein Mortgage Consultant NMLS ID # david.rubenstein@unionbank.com 1 Loans subject to credit and collateral approval. Financing available for collateral located in CA, OR, or WA. Restrictions may apply. Terms and conditions subject to change. 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 mortgage consultant to determine what your payments might be once the interest-only period ends Union Bank, N.A. All rights reserved. Visit us at unionbank.com.

15 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A % 3.50 % % No Tax Returns To Qualify Close As Fast As 21 Days We re not a typical mortgage lender, because you re not a typical client. CHRIS FURIE DAMON GERMANIDES 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA Insignia Mortgage, a division of CS Financial, Inc. Not all applicants will qualify. *These products may have a higher interest rate, more points or more fees than other produts 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, 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 qualifi cations and loan terms. Insignia Mortgage is a division of CS Financial, Inc., a broker licensed by the CA Dept. of Real Estate DRE# NMLS#31132.

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17 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A17 BRANCH LOCATION 9465 Wilshire Blvd, Ste. 400, Beverly Hills, CA Todd Seabold Branch Manager NMLS # c: d: *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 NAF, 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 NAF fails to perform otherwise, a credit of $250 will be applied toward closing costs. Licensed by the California Department of Business Oversight under the Residential Mortgage Loan 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. 9/2013

18 A18 TUESDAY, NOVEMBER 5, 2013 THE MLS OPEN HOUSE GUIDE RODEO REALTY B R E N T W O O D Syd Leibovitch, President of Rodeo Realty, is proud to W elcome Aubree Lynn to our new Brentwood Office San Vicente Blvd. #100 Brentwood, CA

19 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 5, 2013 A19 RODEO REALTY B R E N T W O O D Syd Leibovitch, President of Rodeo Realty, is proud to W elcome Bobby Bahmanpour to our new Brentwood Office San Vicente Blvd. #100 Brentwood, CA

20 A20 TUESDAY, NOVEMBER 5, 2013 THE MLS OPEN HOUSE GUIDE Do you want to build your business? Date: November 7, 2013 Time: 8:30am 5:00pm Location: Beverly Hills/Greater Los Angeles Association of REALTORS 6330 San Vicente Blvd, Suite 100 Los Angeles, CA Instructor: Joe Ramos Gain the training on how to provide sellers solutions and buyers opportunities with the Short Sales & Foreclosure Resource Certification. This is the ONLY Short-Sale certification course recognized by NAR! Designed for real estate professionals at all experience levels, the National Association of REALTORS Short Sale and Foreclosure Certification or SFR gives you the framework to understand how to: Develop a short sale package Counsel buyer-clients and tap into demand Qualify buyers and sellers for short sales Negotiate with lenders Safeguard your commission Limit risk Help distressed homeowners Registration Fee: BHGLAAR Members $99 Non-Members $109 Register online at: To become certified you must: Be a member in good standing of the National Association of REALTORS Attend the one day live class and pass the 30 question, multiple choice, closed book exam Attend three 1-hour webinars (no fee) Complete the membership application form and pay the one time fee of $ (paid separately from class). *This course is an ABR elective course for the ABR Designation. Sponsored By: Mindy Regan Buyer s Protection Group mregan@bpgwi.com