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 19, 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 JOIN CALIFORNIA S PREMIER PRIVATE MORTGAGE TEAM. CORRESPONDENT BANKER WHOLESALE BROKER BANK PORTFOLIO LENDER Our Private Mortgage Banking Platform Is your COMPETITIVE ADVANTAGE Maximum flexibility, more Jumbo and Conventional Lending options Independence of a Mortgage Broker with the Stability of a Bank In-house Appraisal Panels In-house Underwriting and Decision Making Exclusive Bank Relationships Enhance Relationship Lending with Niche Products CS Financial s team of industry-leading loan offi cers has closed over 30,000 deals and originated more than $17 billion since As Southern California s premier private mortgage banker, we specialize in providing our loan officers with MORE: more lending options, more support, and more control everything a loan offi cer needs to be successful in our unique market. Call Jeff Uniack, SVP of Loan Production at today to see how CS Financial can make real estate a land of opportunity for you. BEVERLY HILLS: 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA P F CALABASAS: Calabasas Road, Suite 203, Calabasas, CA P F MALIBU: Pacific Coast Highway, Malibu, CA P F csfinancial.com 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 19, 2013 A3 CS FINANCIAL IS EXCITED TO WELCOME OUR NEWEST ORIGINATOR PAMELA HARRIS! Pamela Harris BRE # NMLS # Cell For over 20 years, Pamela Harris has built a solid reputation by providing smart, strategic, and highly personalized real estate finance service to her clients and real estate partners, helping them to close for their clients throughout the San Fernando Valley and Ventura County. We re proud to have her join our team. R CALABASAS: Calabasas Road, Suite 203, Calabasas, CA P F BEVERLY HILLS: 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA P F MALIBU: Pacific Coast Highway, Malibu, CA P csfinancial.com 2013 CS Financial, Inc. All rights reserved. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate. BRE NMLS 31132

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6 A6 TUESDAY, NOVEMBER 19, 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 19, 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#

8 A8 TUESDAY, NOVEMBER 19, 2013 THE MLS OPEN HOUSE GUIDE WE PROUDLY WELCOME! Solo Scott Washington Blvd., Marina Del Rey, CA

9 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 2013 A9 L Y N D i M A L L O r Y A Partner in Your Success Specializing in jumbo and conforming high balance loans, Lyndi Mallory has been a trusted mortgage professional since Her ability to fund loans through Wintrust Mortgage in all 50 states enables her team to provide virtually every lending product available and the most competitive pricing. You can be sure your client is reaching their full borrowing potential and closing on time. Closing over $40 million in loans each year, Lyndi has built a reputation on creating custom mortgage solutions, delivering the ultimate in personal service, and offering the best rates on the market. Call me today to see how I can work for you! Lyndi Mallory Loan Originator - NMLS# Direct: Fax: LMallory@WintrustMortgage.com 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. Wintrust NMLS# Wintrust Mortgage

10 A N I N D U S T R I O U S P A S T, A N I L L U S T R I O U S F U T U R E B R O K E R H O L I D AY R E C E P T I O N T H U R S D AY D E C E M B E R 1 2 5:30P - 8:30P TH E KO R G R O U P I N V ITE S YO U TO COME SHARE A DRINK AND LEARN MORE ABOUT OUR JANUARY DEBUT! RSVP: SALES@BARKERBLOCK.COM The Final Collection of 68 Distinctive Lofts from $400K Barker Block Sales Gallery // 510 S. Hewitt Street, No. 105 // Los Angeles, CA // // barkerblock.com Exclusively represented by Kor Real Estate, Inc. BRE Lic # This is not an offer to sell, but is intended for information only. Though the information is believed to be correct, it is presented subject to errors, omissions, changes or withdrawal without notice. The computation of square footage will vary based upon the criteria used. The square footage information set forth herein may not be relied upon as the exact square footage of any unit. The developer reserves the right to make modifications in materials, specifications, floorplans, designs, pricing, scheduling and delivery of homes without prior notice. Brokers must accompany their client(s) and register them on their first visit to the Sales Gallery in order to be eligible for a broker commission. This is not a loan commitment, nor is it a guarantee of any kind. Equal Housing Opportunity. PAGE A10

11 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 2013 A11 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.

12 A12 TUESDAY, NOVEMBER 19, 2013 THE MLS OPEN HOUSE GUIDE

13 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 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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15 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 2013 A15 We re Guaranteed Rate, it s nice to meet you. The nation s 8 th largest retail lender is now in Los Angeles! We re on a mission to be your favorite lender. As the Home Purchase Experts SM, we re very good at what we do. Built for the L.A. Jumbo Market 12 in-house Jumbo investors, delegated underwriting and funding up to $3 million Unmatched Service Levels FastPass borrowers are approved in just 5 days Low Rates From conforming to multi-million dollar Jumbos, we offer among the lowest rates available and go head-to-head on rate with the big banks every day Partner Xchange Real-time loan tracking, co-branded marketing, referral database, training videos and much more Unrivaled Clout With $14.7 billion funded in 2012 and an anticipated $16.5 billion funded in 2013, we have the power to get your deals done Call now for more information! Wilshire Blvd, Ste 350, Los Angeles, CA NMLS (Nationwide Mortgage Licensing System) ID 2611 AL - Lic# AK - Lic#AK2611 AR - Lic# Guaranteed Rate, Inc N Ravenswood, Chicago IL AZ - Guaranteed Rate, Inc N. Kierland Blvd., Ste. 100, Scottsdale, AZ, Mortgage Banker License # BK CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act # CO - Regulated by the Division of Real Estate, CT - Lic #17196 DE - Lic # 9436 DC - Lic #MLB 2611 FL - Lic# MLD618 GA - Residential Mortgage Licensee # N. Ravenswood Ave., Chicago, IL HI - Lic#HI-2611 ID - Guaranteed Rate, Inc. Lic #MBL-5827 IL - Residential Mortgage Licensee Illinois Department of Financial & Professional Regulation, 3940 N Ravenswood Ave, Chicago, IL MB IN - Lic #11060 & #10332 IA - Lic #MBK KS - Licensed Mortgage Company - Guaranteed Rate, Inc. License #MC KY - Mortgage Company Lic #MC20335 LA - Lic #RML2866 ME - Lic #SLM1302 MD - Lic #13181 MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 MI - Lic #FR & SR MN - Lic #MO MS - Guaranteed Rate, 3940 Ravenswood, Chicago, IL Licensed by the Mississippi Department of Banking and Consumer Finance, Lic # 2611 MO - Guaranteed Rate Lic # MT - Lic#2611 NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance NE - Lic #1811 NV - Lic #3162 & 3161 NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # MB NM - Lic #01995 NY - Licensed Mortgage Banker NYS Department of Financial Services N Ravenswood, Chicago, IL Lic # B NC - Lic #L ND - Lic #MB OH - Lic #MBMB and Lic #SM N. Ravenswood Ave., Chicago, IL OK - Lic # MB OR - Lic #ML N. Ravenswood Ave., Chicago, IL PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 RI - Rhode Island Licensed Loan Broker Lic # LB SC - Lic #MLS-2611 SD - Lic# ML TN - Lic # TX - Lic #50426 & Lic # UT - Lic # VT - Lic #LL6100 & MB930 VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 WA - Lic #CL-2611 WI - Lic #27394BA & 2611BR WV - Lic #ML & MB WY - Lic#2247

16 A16 TUESDAY, NOVEMBER 19, 2013 THE MLS OPEN HOUSE GUIDE MODERN BATHROOMS DESIGNER TILE CUSTOM FURNITURE DEVELOPER PRICING Before

17 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 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 19, 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 Welcome Wendy & Shel Kirshner The Kirshner Group Direct Cell wendy@thekirshnergroup.com San Vicente Blvd., #100 Brentwood, CA

19 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 2013 A19 RODEO REALTY S U N S E T S T R I P Syd Leibovitch, President of Rodeo Realty, is proud to Welcome Ben Bacal benbacal@gmail.com 9200 Sunset Blvd. #200 West Hollywood, CA

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

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23 THE MLS OPEN HOUSE GUIDE TUESDAY, NOVEMBER 19, 2013 A23 Thanksgiving Holiday Deadlines The MLS Open House Guide Broker Edition DECEMBER 3, 2013 ISSUE All Full Page Color Ads Monday, November 25th, 5pm All Full Page Black and White Ads Tuesday, November 26th, 5pm All Color Showcase Ads Tuesday, November 26th, 5pm CALL A LIVE CUSTOMER SERVICE REPRESENTATIVE TO FIND OUT MORE MONDAY-FRIDAY 8am-7pm SATURDAY 9am-2pm SUNDAY 9am-1pm

24 A24 TUESDAY, NOVEMBER 19, 2013 THE MLS OPEN HOUSE GUIDE Date: Thursday, November 21, 2013 Time: Registration: 8:00 AM - 8:30 AM Class Begins: 8:30 AM - 5:30 PM *Lunch is available nearby Tuition Information: Before October 21 st : $195 After October 21 st : $245 Location: The Beverly Hills / Greater Los Angeles 6330 San Vicente Blvd #100 Los Angeles, CA Instructor: Carmela Ma, CCIM, Senior Instructor CCIM, President CJM Associates, Inc Carmela@Carmelama.com Position Residential Properties as Investments and Prosper The CCIM Greater Los Angeles Chapter presents, for the first time to the public, our Residential Real Estate Financial Analysis Course! This new course provides financial analysis skills to real estate agents and investors. The Course Will: Provide Analysis Tools for Residential Investors CCIM custom Excel spreadsheets for purchase decision-making Explain the impact of LTV to equity Yields Teach Calculating Investment Performance through: Gross Rent Multiplier (GRM) Capitalization Rates Before Tax Cash on Cash Internal Rate of Return (IRR) Net Present Value (NPV) Provide an introduction to the CCIM Cash Flow Model Will include a in-class case study to reinforce all of the course concepts The Class Is For: Private Investors Residential Agents looking at the commercial arena Commercial Agents looking at residential properties for investment purposes Receive an elective credit toward your CCIM designation!! *Carmela Ma was awarded the CCIM Instructor of the Year 2003, a once in a lifetime award by the CCIM Institute. In addition, The CCIM People s Choice Award 2003, and 2006; Senior Instructor of the Year for Financial Analysis in Commercial Real Estate CI ; the CI 104 CCIM Investment Decision Analysis Senior Instructor of the Year award in 2011 CLICK HERE TO SIGN UP TODAY!! DEADLINE TO REGISTER IS NOVEMBER 15 TH For additional questions please contact: Carmela Ma, CCIM, Senior Instructor, CCIM President CJM Associates, Inc , Carmela@Carmelama.com Registration and logistic questions: Brenna Noltimier Executive Administrator, CCIM Greater Los Angeles Chapter, , ccimla@ccim.net

25 EVERYONE IS TALKING TO GLORIA SHOULDN T YOU? WHEN THE MOST TRUSTED MEDIA SOURCES IN THE NATION WANT TO KNOW HOW REAL ESTATE LOANS CLOSE, THEY TURN TO GLORIA SHULMAN OF CENTEK CAPITAL GROUP* A LEGEND IN THE INDUSTRY FOR OVER 30 YEARS *Direct links to all specific media references are provided at Gloria Shulman Broker BRE # NMLS # WILSHIRE BOULEVARD SUITE 275 EAST TOWER BEVERLY HILLS, CA PHONE: FAX: gloria@centek.com CenTek CAPITAL GROUP Mortgage Bankers & Brokers CenTek Capital Group is a broker licensed by the CA Bureau of Real Estate BRE # / NMLS #275995