Cohen gets you there fast.
|
|
- Jeffery Neal
- 5 years ago
- Views:
Transcription
1
2 A2 TUESDAY, MARCH 17, 2015
3 TUESDAY, MARCH 17, 2015 A3
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
7 TUESDAY, MARCH 17, 2015 A7
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
10 A10 TUESDAY, MARCH 17, 2015
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.
13 TUESDAY, MARCH 17, 2015 A13
14
15
16
17
18
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
20
21
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
24 A24 TUESDAY, MARCH 17, 2015
25 104 TUESDAY, MARCH 17, 2015
We close more deals even the toughest ones.
TUESDAY, APRIL 28, 2015 A1 A4 TUESDAY, APRIL 28, 2015 Mark Cohen #1 ORIGINATOR NATIONWIDE 2014 We close more deals even the toughest ones. Mark Cohen, Broker BRE#: 1016103 - NMLS#: 37230 markcohen@cohenfi
More informationYOUR LENDING TEAM. V. Amayakyan Loan Originator NMLS#
A2 TUESDAY, AUGUST 18, 2015 YOUR LENDING TEAM On The Westside! Dana Dukelow Senior Loan Officer NMLS# 252986 Direct: 323.394.1909 efax: 866.261.6655 DDukelow@WintrustMortgage.com www.danadukelow.com Doug
More informationWe ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
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
More informationWe like complex ones.
THE MLS BROKER CARAVAN TUESDAY, APRIL 24, 2018 A1 AS SEEN IN THE Banks like simple loans. We like complex ones. Self-employed Real Estate Investors Retirees 1031 Exchange OK No Tax Return Loans 1 Foreign
More informationMERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN meridithbaer.com. 535 Haynes Ave. $16,500,000
MERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN 310.204.5353 home@ meridithbaer.com 535 Haynes Ave. $16,500,000 Staged by Meridith Baer Home for Jade Mills, Coldwell Banker A2 TUESDAY, MAY 1,
More informationHOME STAGING INTERIOR DESIGN LUXURY FURNITURE LEASING
MERIDITH BAER HOME HOME STAGING INTERIOR DESIGN LUXURY FURNITURE LEASING Los Angeles San Francisco New York Hamptons Miami 310.204.5353 home@ meridithbaer.com A2 TUESDAY, NOVEMBER 13, 2018 THE MLS BROKER
More informationMERIDITH BAER HOME HOME STAGING LUXURY FURNITURE LEASING INTERIOR DESIGN INSTANT HOME meridithbaer.com
MERIDITH BAER HOME HOME STAGING LUXURY FURNITURE LEASING INTERIOR DESIGN INSTANT HOME 310.204.5353 home@ meridithbaer.com A2 TUESDAY, NOVEMBER 21, 2017 THE MLS BROKER CARAVAN THANKSGIVING DEADLINES NOVEMBER
More informationWhen Banks Say No We Say Yes!
TUESDAY, APRIL 2, 2019 A1 When Banks Say No We Say Yes! Why haven t you called us? Over $2.2 billion funded since 2012. No Tax Returns required. Rates start at 3.449% (4.458% APR). Stated Income business
More informationWe ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
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
More informationWhen Banks Say No We Say Yes!
THE MLS BROKER CARAVAN TUESDAY, OCTOBER 23, 2018 A1 When Banks Say No We Say Yes! Why haven t you called us? Over $2.2 billion funded since 2012. No Tax Returns required. Rates start at 3.190% (4.398%
More informationNO LOAN IS TOO COMPLEX.
NO LOAN IS TOO COMPLEX. With creative loan ideas and tools that work, Gloria and her team will get your deal done. We re experts for self-employed borrowers with multiple entities. We offer a wide range
More informationMERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN. Los Angeles San Francisco New York Hamptons Connecticut Florida
MERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN Los Angeles San Francisco New York Hamptons Connecticut Florida 310.204.5353 home@ meridithbaer.com A2 TUESDAY, NOVEMBER 7, 2017 The Mobile Experience!
More informationWe like complex ones.
THE MLS BROKER CARAVAN TUESDAY, JUNE 5, 2018 A1 AS SEEN IN THE Banks like simple loans. We like complex ones. Self-employed Real Estate Investors Retirees 1031 Exchange OK No Tax Return Loans 1 Foreign
More informationLUXURY HOME STAGING AND INTERIOR DESIGN
MERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN 310.204.5353 home@ meridithbaer.com 1271 St. Ives Place Justin Huchel, Hilton & Hyland A2 TUESDAY, APRIL 3, 2018 THE MLS BROKER CARAVAN The Mobile
More informationHOME STAGING INTERIOR DESIGN LUXURY FURNITURE LEASING
MERIDITH BAER HOME HOME STAGING INTERIOR DESIGN LUXURY FURNITURE LEASING Los Angeles San Francisco New York Hamptons Miami 310.204.5353 home@ meridithbaer.com Sotheby s International Realty and the Sotheby
More informationMERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN meridithbaer.com Linea Terrace, Palm Springs $2,850,000
MERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN 310.204.5353 home@ meridithbaer.com 3068 Linea Terrace, Palm Springs $2,850,000 Staged by Meridith Baer Home for Rich Nolan, The Agency A2 TUESDAY,
More informationSeasoned Investors Trust Francesco
A2 TUESDAY, AUGUST 5, 2014 Seasoned Investors Trust Francesco As an experienced real estate investor, I appreciated Francesco s ability to quickly understand my business, loan and timing needs. He recommended
More informationSTAGING AND INTERIORS RESIDENTIAL COMMERCIAL LUXURY FURNITURE LEASES WEST AND EAST COAST
STAGING AND INTERIORS RESIDENTIAL COMMERCIAL LUXURY FURNITURE LEASES WEST AND EAST COAST 310 204 5353 www.meridithbaer.com A4 TUESDAY, AUGUST 16, 2016 THE MLS BROKER CARAVAN My experience was the best
More informationWe ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
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
More informationWhen Banks Say No We Say Yes!
THE MLS BROKER CARAVAN TUESDAY, SEPTEMBER 11, 2018 A1 When Banks Say No We Say Yes! Why haven t you called us? Over $2.2 billion funded since 2012. No Tax Returns required. Rates start at 3.19% (4.208%
More informationMERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN meridithbaer.com Linea Terrace, Palm Springs $2,750,000
MERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN 310.204.5353 home@ meridithbaer.com 3068 Linea Terrace, Palm Springs $2,750,000 Staged by Meridith Baer Home for Rich Nolan, The Agency A2 TUESDAY,
More informationWe ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
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
More informationMERIDITH BAER HOME. LUXURY HOME STAGING AND INTERIOR DESIGN meridithbaer.com
MERIDITH BAER HOME LUXURY HOME STAGING AND INTERIOR DESIGN 310.204.5353 home@ meridithbaer.com A2 TUESDAY, DECEMBER 11, 2018 THE MLS BROKER CARAVAN TM The MLS Broker Caravan THE ONLY REALTOR - OWNED ONLINE
More informationWe ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
THE MLS BROKER CARAVAN TUESDAY, OCTOBER 4, 2016 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
More informationWhen Banks Say No We Say Yes!
THE MLS BROKER CARAVAN TUESDAY, JANUARY 22, 2019 A1 When Banks Say No We Say Yes! Why haven t you called us? Over $2.2 billion funded since 2012. No Tax Returns required. Rates start at 3.440% (4.456%
More informationWhen Banks Say No We Say Yes!
THE MLS BROKER CARAVAN TUESDAY, AUGUST 14, 2018 A1 When Banks Say No We Say Yes! Why haven t you called us? Over $2.2 billion funded since 2012. No Tax Returns required. Rates start at 2.99% (4.607% APR).
More informationWe Can Help You! Eric H. Potruch Sales Manager NMLS#
A2 TUESDAY, FEBRUARY 18, 2014 A4 TUESDAY, FEBRUARY 18, 2014 TUESDAY, FEBRUARY 18, 2014 A5 We Can Help You! For more information, contact: Walt Nally Branch Manager NMLS# 611776 310-715-9033 wnally@stearns.com
More informationFirst Time Homebuyers
First Time Homebuyers Presented By: Rich Goodwin, Vice President of Mortgage Lending Copyright 2000-2014 Guaranteed Rate. All rights reserved. Our Competitive Advantage Fast and transparent mortgage process
More informationWe ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
THE MLS BROKER CARAVAN TUESDAY, NOVEMBER 3, 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
More informationGREETINGS FROM... BETTER BANKING SAME GREAT MEMBERS. SAME HELPFUL STAFF. STILL A CREDIT UNION. inside: SUMMER gain /gān/ FEDERAL CREDIT UNION
BETTER BANKING Gain Federal Credit Union SUMMER 2018 inside: Apple Pay Google Pay Apply For A Loan Right From Your Phone Live Chat - Live Now Better Checking Equity Advantage Line Of Credit What s Happening
More informationHeaded Home. First-Time Homebuyers Guide
Headed Home First-Time Homebuyers Guide Why Buy Instead of Rent? On Your Way to Your First Home? Buying a home is a big step. Choose a home and financing program that s right for you. Look into various
More informationAbout the Founders. Chris Furie - Co-Founder. Damon Germanides - Co-Founder
1 Insignia Mortgage Insignia Mortgage focuses on large and often complex transactions for high net-worth clients, delivering individualized lending solutions that are tailored to our lenders requirements
More informationBUYER S EDGE A GUIDE TO FINANCING YOUR DREAM HOME
BUYER S EDGE A GUIDE TO FINANCING YOUR DREAM HOME 4 REASONS WHY YOU SHOULD CHOOSE PPG UPFRONT UNDERWRITING And pre-approvals! This reduces your stress when buying a home. EASY MOBILE APPLICATION We keep
More informationREG Z PORTFOLIO ARMS - Primary Residence. REG Z PORTFOLIO ARMS - Non-Owner Occupied (Cash out or Delayed Finance, Not Business Entity) A+ CREDIT
California Luther Burbank Savings ~ Wholesale Rate Sheet 5/23/2016 8:00 AM PST Lock Desk: 7:30 AM - 4:00 PM PST, Monday - Friday Index: Website www.lutherburbanksavingswholesale.com 1 Yr LIBOR 1.2990%
More informationGET RELIABLE FUNDING FOR YOUR INVESTMENT PROPERTIES
GET RELIABLE FUNDING FOR YOUR INVESTMENT PROPERTIES FIX AND FLIP RENTAL COMMERCIAL/ MULTI-FAMILY 949.246.1992 duane@premiermoneysource.com www.premiermoneysource.com Private Money Loans Welcome to Premier
More informationFlexible Mortgage Solutions for Extraordinary People. Multi-Family. Investor 1-4. Mixed-Use. Commercial
Multi-Family Investor 1-4 Mixed-Use Commercial Flexible Mortgage Solutions for Extraordinary People Velocity Mortgage Capital is a nationwide, direct portfolio lender focused exclusively on financing residential
More informationHeaded Home. First-Time Homebuyers Guide. McClellan Texas R egion
Headed Home First-Time Homebuyers Guide McClellan Texas R egion On Your Way to Your First Home? Buying a home is a big step. Choose a home and financing program that s right for you. Look into various
More informationFlexible Mortgage Solutions for Extraordinary People. Multi-Family. Investor 1-4. Mixed-Use. Commercial
Multi-Family Investor 1-4 Mixed-Use Commercial Flexible Mortgage Solutions for Extraordinary People Velocity Mortgage Capital is a nationwide, direct portfolio lender focused exclusively on financing residential
More informationReal Estate Agent Program
Real Estate Agent Program Our Mission Alterra has always had one goal: Building Wealth Through Homeownership. As families prepare to take the next step towards homeownership, we re ready to meet the demand
More informationNEXT MOVIE COULD BE ON US!
Federal Credit Union Know better banking 2017 YOUR NEXT MOVIE Spring 2018 In this issue COULD BE ON US! 4 Questions for Homebuyers Home Equity Solutions Mobile Banking Introducing Auto Expert Is your kid
More informationPortfolio JUMBO ALT DOC PFA 1, PFA 2, PFA 3 Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil
Portfolio JUMBO ALT DOC PFA 1, PFA 2, PFA 3 Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil Up to 55% LTV w/720 FICO / loan amount up to $1.0 mil 1 unit Portfolio JUMBO FULL Doc
More informationGLOSSARY OF MORTGAGE TERMS
GLOSSARY OF MORTGAGE TERMS Adjustable-rate mortgage (ARM) A mortgage in which the interest changes periodically, according to corresponding fluctuations in an index. All ARMs are tied to indices such as
More informationUnderwriting Guideline Matrix
: Program / Product Codes: 30 Year Fixed (W130) 15 Year Fixed (W132) Subject to Change Without Notice Valid as of: 12/18/2017 Copyright 2017 Skyline Financial Corp. dba NewLeaf Wholesale, Nationwide Mortgage
More informationThe Way to Greater Efficiency. Correspondent Lending
The Way to Greater Efficiency Correspondent Lending High-level service and partnership that uniquely leverages technology, processes and people to ensure effi cient and timely loan purchases Meeting the
More informationPERSONAL BANKING MORTGAGE AND EQUITY
PERSONAL BANKING MORTGAGE AND EQUITY MORTGAGE & EQUITY Banterra takes pride in offering exceptional home mortgage services to people in our communities. We also offer home equity loans, which are perfect
More informationWhy Should You Consider Refinancing?
Why Should You Consider Refinancing? Reason 1: Lower Your Interest Rate Interest rates may have gone down due to market conditions since you purchased or last refinanced your home. Since the interest rate
More informationMisrepresentation of Borrower Employment Scheme
Misrepresentation of Borrower Employment Scheme Fannie Mae s Mortgage Fraud Program (MFP) alerts the industry to potential and active mortgage fraud scenarios. This is an update to the Fannie Mae Fraud
More informationSTATED INCOME PROGRAM
Fully Amortized 7/1 Portfolio ARM Product Mix Primary Residence, Second Home and Investment Property Purchase, Rate & Term Refinance and Cash-Out Refinance STATED INCOME PROGRAM Rate Guide as of 5/23/2018
More informationMagnolia Walk Affordable Housing Sales Release Procedures
Magnolia Walk Affordable Housing Sales Release Procedures In partnership with the Community Development Commission of the County of Los Angeles, the Magnolia Walk community will offer a special opportunity
More informationNON-QM MATRIX WHOLESALE DIVISION Sky Park Circle, Ste 100, Irvine, CA rev. March 12, FULL DOC. Min.
SILVER NON-QM MATRIX WHOLESALE DIVISION 17802 Sky Park Circle, Ste 100, Irvine, CA 92614 rev. March 12, 2018 www.ec-tpo.com PRODUCT DESCRIPTION Full doc available for Self Employed and W 2 borrowers 24
More informationFinancial Institution Partner Program (FIPP) Wilshire Boulevard, Suite 1800 Los Angeles, CA PHONE (310) FAX (310)
W Financial Institution Partner Program (FIPP) 11755 Wilshire Boulevard, Suite 1800 Los Angeles, CA 90025 PHONE (310) 231-1270 FAX (310) 231-1271 Introduction West Bay Capital, LLC ( West Bay ) is a private
More informationSTATED INCOME PROGRAM
Fully Amortized 5/1 & 7/1 Portfolio ARM Product Mix Primary Residence, Second Home and Investment Property Purchase, Rate & Term Refinance and Cash-Out Refinance STATED INCOME PROGRAM Rate Guide as of
More informationMerchants Bank, National Association
Merchants Bank, National Association Encompass TPO WebCenter User Guide Full Document Processing Table of Contents Third Party Origination Website User Guide Getting Started Section 1 Gaining Initial Access
More informationHomeReady vs. Home Possible Comparison
Occupancy At least one of the borrowers must occupy as their Principal residence All borrowers must occupy as their Principal residence Primary Residence only Non-occupant Non-occupant borrowers permitted
More informationPERSONAL BANKING BANTERRA BANK SERVICES
Mortgage Verification Checklist When you are ready to proceed with your loan, the following items will be needed: Most recent pay stubs (last two) Most recent W-2 s and tax returns (two years) Most recent
More informationBuild with confidence Build with Guild
Build with confidence Build with Guild Builders choose Guild for our people Guild /gild/ (n.) 1: an association of people with similar interests or pursuits; 2: a group of skilled craftsmen in the same
More informationMortgage Survival Guide
Mortgage Survival Guide The perfect resource for First-Time Homebuyers W R I T T E N B Y: BRYAN KURZMAN BRANCH MANAGER / SR. MORTGAGE LOAN ORIGINATOR NMLS# 613453 TABLE OF CONTENTS: Step 1: Pre-Underwriting
More informationGuide to Refinancing. The Ultimate Guide to Refinancing
Guide to Refinancing The Ultimate Guide to Refinancing CONTENTS Why refinance with Loans.com.au P 2 What is FastTrax Refi? P 2 The ontrack advantage P 3 Key reasons to refinance P 4 How much will you save
More informationSpecialty Lending Rates and Programs
February 6, 2018 8:35:19 AM Specialty Lending s and Programs GreenBox Loans, Inc. 3250 Wilshire Blvd, #1900 Phone: (800) 919-1086 Gbox CA BRE License# 01300944 Gbox CA DBO License# 603L516 Gbox NMLS# 333659
More informationPersonal ebanking. Conversion and User Support Guide
Personal ebanking Conversion and User Support Guide Spring 2017 Contents Important Information and Dates 3 Logging In To Personal ebanking.. 4 Personal ebanking - Important User Actions 9 1 The Future
More informationBy JW Warr
By JW Warr 1 WWW@AmericanNoteWarehouse.com JW@JWarr.com 512-308-3869 Have you ever found out something you already knew? For instance; what color is a YIELD sign? Most people will answer yellow. Well,
More informationChair & President s Message
Annual Report 2017 Chair & President s Message 50 years ago, First Entertainment Credit Union opened its doors with the goal of serving the entertainment community. Guided by our credit union philosophy
More informationThe Newfi First-Time Homebuyer s Guide
The Newfi First-Time Homebuyer s Guide Newfi is a licensed tradename of Nexera Holding LLC. NMLS No. 1231327; HUD Lender ID 0038900004. Newfi is an Equal Housing Lender. The basics What is a mortgage?
More informationREVERSE MORTGAGE. Line of Credit Guide ENHANCE. your retirement PLAN
REVERSE MORTGAGE Line of Credit Guide ENHANCE your retirement PLAN (800) 355-1993 Line of Credit Fact: The available funds in your line of credit can increase in value over time. (800) 355-1993 WHAT'S
More informationGSFA PLATINUM PROGRAM CONVENTIONAL GUIDELINES SUMMARY
OVERVIEW The GSFA Conventional Down Payment Assistance Program (DAP) is a competitively priced Conventional loan program that does not require a minimum down payment from the homebuyer(s). GSFA provides
More informationSERIES. ImpacCorrespondent.com
SERIES 2017 Impac Mortgage Corp. NMLS #128231. www.nmlsconsumeraccess.org. Rates, fees and programs are subject to change without notice. Other restrictions may apply. Information is intended solely for
More informationMPF Direct. Product Overview. FHLB Des Moines. April 18 th, 2018
MPF Direct Product Overview FHLB Des Moines April 18 th, 2018 About this Material These training materials and accompanying training dialogue are not intended as legal, tax or compliance advice. This material
More informationMortgage Toolkit. Beginners Guide to Home Financing Camino Del Rio North, Suite 450 San Diego, CA (858) NMLS#
Mortgage Toolkit Beginners Guide to Home Financing 2655 Camino Del Rio North, Suite 450 San Diego, CA 92108 (858) 514-3600 NMLS# 173855 cornerstonemortgagegroup.com Prepared by Sean Cahan Your Smarter
More informationVerus (I-42) Non-QM Programs. Presented by Michael Faraci
Verus (I-42) Non-QM Programs Presented by Michael Faraci Program Overview Credit Ascent and Investor Solutions programs available. Broad range of FICO/LTV options available for Owner Occupied properties,
More information% % >80% & 95%
Wholesale Division US Bank Home Mortgage Wholesale Pricing Effective: 2/13/18 98.500 98.5 HELP DESK 800-200-5881 Page: 1 of 5 CONVENTIONAL FIXED RATE LOANS 6 30 45 60 75 LOAN SIZE AND STATE ADJUSTMENT
More informationWE KNOW WHICH ONE. WHAT OTHERS CAN T FIGURE OUT, WE CAN.
A2 TUESDAY, JUNE 25, 2013 WE KNOW WHICH ONE. WHAT OTHERS CAN T FIGURE OUT, WE CAN. When it comes to closing your loan, CS Financial can when others can t. Industry-leading originators and a powerful in-house
More informationLOCK SUBMISSION DEADLINE
9815 S 240 W (Monroe Street), Ste 203, Sandy, UT 84070 Office Phone: (801) 262-6033 or 1-888-891-5440 IMPORTANT ANNOUNCEMENTS All 30 & 45 day locks must submit loan files within 7 days of lock date to
More informationCFPB FINAL RULES SUN WEST IMPLEMENTATION GUIDE
CFPB FINAL RULES SUN WEST IMPLEMENTATION GUIDE January 1, 2018 In case of any queries regarding the information available in this guide, please reach us at qmteam@swmc.com. Sun West Mortgage Company, Inc.
More informationCalifornia Wholesale Rate Sheet
Effective Fri 01/25/2019 9:44 AM EST California Wholesale Rate Sheet Jumbo Series H is Here! - See page 15 for details. Rate Fall-Out Specials on SmartEdge, SmartCondo & Dream Big! Smart Funds - See page
More informationENJOY your best YEARS. An Informational Guide for Purchasing a Home with a Reverse Mortgage
(800) 355-1993 NMLS #2052 ENJOY your best YEARS An Informational Guide for Purchasing a Home with a Reverse Mortgage 1... WHAT S INSIDE WHAT IS A REVERSE MORTGAGE & HOW DOES IT WORK? HOW IS IT USED? REVERSE
More informationClose More Loans with HomeReady Mortgage An Overview for Loan Officers. Dial- in for audio: Attendee passcode:
Close More Loans with HomeReady Mortgage An Overview for Loan Officers Dial- in for audio: 1-800-779-8492 Attendee passcode: 4344988 Seminar guidelines Please do not place the call on hold at any time.
More informationSUPER JUMBO PRIMARY RESIDENCE. Min FICO. SFR, Condo* Townhouse PUD, 2 Units. Min FICO. SFR, Condo, Townhouse, PUD, 2 Units SECOND HOMES.
SJ Series SUPER JUMBO PRIMARY RESIDENCE Occupancy Loan Purpose Property Type Min FICO LTV/CLTV Max Loan Amt Primary Residence Purchase & Rate/Term Refinance SFR, Condo* PUD, 2 Units 720 80/80 $2,000,000
More information30 YEAR MORTGAGE RATES MARYLAND 30 YEAR MORTGAGE RATES PDF 5-YEAR ARM MORTGAGE RATES MORTGAGE CALCULATOR
30 YEAR MORTGAGE RATES PDF 5-YEAR ARM MORTGAGE RATES MORTGAGE CALCULATOR MORTGAGE RATES - OHIO HOUSING FINANCE AGENCY (OHFA) 1 / 7 2 / 7 3 / 7 30 year mortgage rates pdf 5-Year ARM Mortgage Rates. A five
More informationHLA Rate Sheet FOR INTERNAL USE ONLY. Conventional Fixed Products. 15 Year Fixed 10 Year Fixed 15 Year Fixed Seconds
Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. PROMOTION 0.25% Yield credit on Conventional Loans $200,000 or greater with credit score of 720+
More informationDream Big Jumbo Is Now Available
Effective Tue 04/10/2018 9:54 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
More informationThe Loan Modification System
The Loan Modification System The Contact Information Before entering Loan Modification, be sure that you enter your client's information in the Contact Information on the left side of the main screen.
More informationConventional Fixed Rate Products
1 March 1, 2018 11:54 AM Turn Times Appraisal Turn Times Fees Index Values Expiration Dates New Submissions 1 day Portland Metro 1.5-2 Weeks UW Fee $995 PRIME 4.500% 15 Day 03/15/18 Re-Submissions 1 day
More informationConventional Fixed Rate Products
1 March 6, 2018 8:16 AM Turn Times Appraisal Turn Times Fees Index Values Expiration Dates New Submissions 1 day Portland Metro 1.5-2 Weeks UW Fee $995 PRIME 4.500% 15 Day 03/20/18 Re-Submissions 1 day
More informationConventional Fixed Rate Products
1 April 3, 2018 8:17 AM Turn Times Appraisal Turn Times Fees Index Values Expiration Dates New Submissions 1 day Portland Metro 1.5-2 Weeks UW Fee $995 PRIME 4.750% 15 Day 04/17/18 Re-Submissions 1 day
More informationMEMO # TO: Wholesale Broker & Select Partner Clients DATE: October 30, 2018
MEMO #2018-55 TO: Wholesale Broker & Select Partner Clients DATE: October 30, 2018 RE: CMG Credit Policy and Guideline Updates EFFECTIVE: As Noted Below CMG FINANCIAL CREDIT POLICY AND GUIDELINE UPDATES
More informationFHA Loans. First mortgage loans. Jumbo mortgage loans. Non-warrantable Condo Projects
FHA Loans Looking to buy a home or refinance with a low down payment? A loan backed by the Federal Housing Administration (FHA) may be the answer. At Northstar Funding, we understand the challenges facing
More information7389 Florida Blvd., Suite 200A Baton Rouge, LA NMLS #
Version 2018.May 7389 Florida Blvd., Suite 200A Baton Rouge, LA 70806 855.476.8441 NMLS #64997 www.gmfspartners.com 2014, GMFS LLC. All Rights Reserved. GMFS is a registered trade name of GMFS LLC., NMLS
More informationFannie Mae has specific requirements for multiple financed properties:
Fannie Mae has specific requirements for multiple financed properties: If subject loan is owner occupied, Fannie Mae has no limit on number of properties financed If subject is second home or investment
More informationSunTrust Mortgage Doctor Loan Program
SunTrust Mortgage Doctor Loan Program The Doctor Loan 1 from SunTrust Mortgage is designed to flex to the needs of physicians and dentists. The product snapshot below gives a glimpse into the features
More informationAll Credit Reports - All Pages Including Disclosure Credit Inquries Letter and Credit LOE(s) Deposit Explanation Letter(s) Mortgage Statement(s)
Borrower(s): Loan Officer: Processor: Investor: Interest Rate: Loan Amount: Broker / Correspondent Conventional / FHA / VA / Jumbo / Reverse Other: Purchase / Refinance Fixed - 30yr, 20yr, 15yr, 10yr Arm
More information7389 Florida Blvd., Suite 200A Baton Rouge, LA NMLS #
Version 2018.October 7389 Florida Blvd., Suite 200A Baton Rouge, LA 70806 855.476.8441 NMLS #64997 www.gmfspartners.com 2014, GMFS LLC. All Rights Reserved. GMFS is a registered trade name of GMFS LLC.,
More informationFannie Mae (DU) Conventional Loan Matrix
PURCHASE/ LIMITED CASH OUT REFINANCES STANDARD and HIGH BALANCE LOAN AMOUNTS Occupancy Maximum* LTV Maximum* CLTV Min FICO* Max Ratios Minimum Cash Investments Mortgage/ Rental History Reserves 1 Unit
More informationWholesale Rate Sheet
a new lock may be requested at the current market price without incurring the relock fee. 5 Days 0.150% Conventional Fixed Products 30 Year Fixed 20 Year Fixed Rate 30 Day Price 45 Day Price 60 Day Price
More informationLending & Collections
December 6 2017 2017 CU*BASE is the premiere ASAP (Ask See Act Profit) toolset that provides everything you need right at your fingertips. Use these dashboards to analyze and mine your data for opportunities,
More informationClose More Loans with HomeReady Mortgage An Overview for Loan Officers. Dial- in for audio:
Close More Loans with HomeReady Mortgage An Overview for Loan Officers Dial- in for audio: 1-866-845-1266 Seminar guidelines Please do not place the call on hold at any time. Please place your phone on
More informationRenovation Lending Suite
Renovation Lending Suite M A R C H, 2 0 1 9 4/10/2019 1 Agenda Renovation Loans FHA 203(k): Limited & Standard FNMA HomeStyle Renovation Need to Knows Processing Renovation Loans Reference Materials Why
More informationBetter Rates, Better Service A Better Mortgage Experience
MORE than MORTGAGES Better Rates, Better Service A Better Mortgage Experience Since 1995, Secure One Capital has been going above and beyond for our borrowers. We believe in service above all else and
More informationOffice Hours, Scheduling Appointments, Attorney Fees, Directions to Office and Courts, Office Parking, and Other Office Services and Information
Office Hours, Scheduling Appointments, Attorney Fees, Directions to Office and Courts, Office Parking, and Other Office Services and Information OFFICE HOURS 9:00 a.m. - 5:00 p.m. Monday Friday. Closed
More informationditech BUSINESS LENDING CONFORMING HIGH-BALANCE PRODUCT (FANNIE MAE ELIGIBLE)
1. PRODUCT DESCRIPTION ditech BUSINESS LENDING CONFORMING HIGH-BALANCE PRODUCT Conventional Conforming fixed rate mortgage with High- Balance loan limits DU Version 10.2 Servicing retained 10 to 30 year
More informationReprinted with permission from Mortgage Banking magazine (February 2007, pages 48-56) published by the Mortgage Bankers Association (MBA).
Reprinted with permission from Mortgage Banking magazine (February 2007, pages 48-56) published by the Mortgage Bankers Association (MBA). Cover Report: Servicing Trends REFI BUSINESS 101 Steve Michaels*
More information