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THE MLS BROKER CARAVAN™A2 | TUESDAY, MARCH 3, 2015
TICKETS ON SALE NOW! WED., MARCH 18 YPN Pre-Show Party 6:30pm
Join us for a laugh filled evening atthe Hollywood Improv that will
benefit Children’s Hospital Los Angeles.
Check our Event Calendar at www.bhglaar.com
for details and to purchase tickets.Limited Space.
YPN gets
at the
TUESDAY, MARCH 3, 2015 | A3THE MLS BROKER CARAVAN™
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THE MLS BROKER CARAVAN™A4 | TUESDAY, MARCH 3, 2015
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Lender
Cohen Financial Group
Cohen Financial Group
Cohen Financial Group
Cohen Financial Group
Big Bank
StatusLoan Type
Purchase
Purchase
On Time
On Time
On Time
On Time
Delayed
Online Lender Canceled
PurchaseCredit Union Canceled
Refinance
Refinance
Jumbo Purchase
Cash-out Refi
Mark Cohen, BrokerBRE#: 1016103NMLS#: 37230
Seth Cohen, BrokerBRE#: 01935101 NMLS#: 982573
#1*
TOP ORIGINATOR NATIONWIDE
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 310-777-5401 and put
our lending expertise to work for you.
9595 Wilshire Blvd., Suite 801, Beverly Hills, CA 90212 | cohenfinancialgroup.com | © 2015 Cohen Financial Group, a division of CS Financial, Inc.
P 310.777.5401 | F 310.777.5410
Preferred lending
partner for:
No matter your destination,Cohen gets you there – fast.
TUESDAY, MARCH 3, 2015 | A5THE MLS BROKER CARAVAN™
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Actual closing times may vary based on individual borrower quali� 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,” 2013. **Mortgage Originator, 1996-2009. Cohen Financial Group is a division of CS Financial, Inc., a real estate broker licensed by the CA Bureau of Real Estate, lic# 01257559, NMLS# 31132.
$611,690,019Total Loan Volume (2013)
648Loans Closed (2013)
28 DaysAverage Closing Time
29 YearsIn the Industry
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 TaxReturns
$1.1M sales price, 20% down payment – West Hollywood12 months bank statements used to qualify,no tax returns needed.
1 Year Tax Returns
$1.35M sales price, 20% down payment – Hollywood Hills1 year tax returns, YTD P&L used to qualify.
Short Sale $600K purchase price, 20% down payment, condo – Long BeachClient 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 LA85% LTV; 80% 1st and 5% HELOC
Gift Funds/Co-signers
$2.5M purchase price, 20% down – West LAEntire 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 AngelesHigh loan to value, turned down by multiple major banks.
Income Structure Change
$1M sales price, 20% down – Miracle MileClient went from being a salary employee to commission wage earner. Demonstrated historically strong income for the client.
Game-changing deals. Done.
THE MLS BROKER CARAVAN™A6 | TUESDAY, MARCH 3, 2015
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©2015 Luther Burbank Mortgage. This is not an advertisement for an extension of credit or a commitment to lend as defined by Section 1026.2, Regulation Z. Luther Burbank Mortgage is a division of Luther Burbank Savings, a Federally Chartered Savings Association. NMLS# 449241
Beverly Hills Burbank Encino Pasadena Santa Monica
“when it comes to mortgage financing, we’re here to change the game.”
Caroline McPhersonSenior Loan ConsultantSanta Monica310.566.2683 | [email protected]# 260493
Jonathan O’DonnellSenior Loan OfficerSanta Monica310.566.2679 | [email protected]# 301511
Luther Burbank Mortgage proudly announces the addition of Jonathan O’Donnell and Caroline McPherson.
They join 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 Jonathan or Caroline to get started today.
TUESDAY, MARCH 3, 2015 | A7THE MLS BROKER CARAVAN™
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No Tax Return Loans*
310-859-0488
Foreign National LoansFrom $500K to $25 million.
DAMON GERMANIDESBRE 01794261 | NMLS [email protected]
CHRIS FURIEBRE 01004991 | NMLS [email protected]
9595 Wilshire Blvd., #205, Beverly Hills, CA 90212 | www.insigniamortgage.com
*
Self Employed & Real EstateInvestor OK
Purchase, Rate and Term and Cash-out
2.500%
2.643%APR
1st Lien Loans
1st Lien Loans
$500,000 - $4,500,000 • 60% LTV
3.500%
3.631%APR
$500,000 - $4,500,000 • 60% LTV
Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE #01969620, NMLS #1277691.
Close!
THE MLS BROKER CARAVAN™A8 | TUESDAY, MARCH 3, 2015
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Beverly Hills350 South Beverly Drive, Suite 350
Beverly Hills CA 90212(310) 676-6666
Sherman Oaks15060 Ventura Boulevard, Suite 490
Sherman Oaks CA 91403(818) 386-6666
We have more options to give your clients more controlover their finances.
Mortgage Bank and Direct LenderLocal panel of appraisers
Products that work for your clientsWorld class customer service
Call us today to see how we can work for you!
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 226.2 Regulation Z. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank NMLS# 449042 – © 2015 Wintrust Mortgage. 150200633KO
Dana DukelowSenior Loan Officer
NMLS# 252986
Direct: 323.394.1909eFax: 866.261.6655
Doug BurtonBranch ManagerNMLS# 251062
Direct: 323.828.3684Fax: 310.943.2498
V. AmayakyanLoan OriginatorNMLS# 675017
Direct: 310.989.5522Fax: 310.602.6355
Nancy EverettSenior Loan Officr
NMLS# 374442
Direct: 818.424.5626 (LOAN)Fax: 310.861.1415
Don ReichMortgage Consultant
NMLS# 1134149
Direct: 323.301.2468eFax: 855.622.1178
Amy LeeSenior Mortgage Consultant
NMLS# 475773
Direct: 917.440.7540eFax: 844.863.7859
Joel NewtonSenior Mortgage Consultant
NMLS# 278586
Cell: 310.663.8200eFax: 855.900.2410
YOUR LENDING TEAMOn The Westside!
150200868 Burton MLS Guide Westside Ad Final.indd 1 2/23/15 3:37 PM
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Direct: 310.295.6265
Richard Q. ReedSenior Vice President NMLS# 253064losangelesloanadvice.com
Email: [email protected]
CORPORATE OFFICE12400 Wilshire Blvd., Suite 900Los Angeles, CA 90025
No Tax Returns Self-employed, use bank statements
Delayed purchaseRecoup funds from an all-cash purchase
Asset Utilization Use assets as income for qualification
55% Debt-to-Income Ratio on Jumbo ARMs
89.9% Loan-to-Valueup to $1.5m loan amount with no MI
Interest-Only80% LTV to $2m, 65% LTV to $3m loan amount
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 226.2 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 #01858965. NMLS #239902. © 2015 Mortgage Capital Partners, Inc.
Richard Reed Senior Vice President
MortgageCapitalPartners
Mortgage Capital Partners Proudly Recognizes
“Richard is the best mortgage lender I have ever worked with. In my 25 years as a real estate agent I have worked with many people in the lending industry, but Richard does things di�erently. He treats each client as if they were a valued family member. He provides counseling, support and makes sure each client gets the very best loan possible. He stays in touch with me on a regular basis when we are in a transaction together and closes every deal on time. My clients always thank me for recommending his services.”
– Juli Holben
– Lois Hines
– Sean Kavanaugh
“I have had the pleasure of working with Richard for over 15 years. He has handled three homes for me and a few re�nances as well. He has always been a straight shooter, knows my concerns and has always been great to work with. I have recommended Richard to �iends and family and all of them have thanked me for recommending him.”
“From the �rst time I sat down, until the �nal papers were signed, Richard worked diligently, making sure all the necessary paperwork needed was there. He is very client oriented, patient, honest and up �ont. And, he can be reached when needed. I would not hesitate to call on him for future needs.”
“Richard worked extremely hard and got our loan approved extremely fast. He returned all calls within minutes and was always available to answer questions, and more importantly, was able to keep us calm through the entire process.”
– Sheila Ruhfass
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Sharona [email protected]
Sunset Strip Brokerage 9255 Sunset Boulevard, West Hollywood, CA 90069 | 310.205.0305
sothebyshomes.com
Sotheby’s International Realty and the Sotheby’s International Realty logo are registered (or unregistered)service marks used with permission. Operated by Sotheby’s International Realty, Inc.
Presented by Sotheby’s International Realty’s
TOP PRODUCER
In our fast-paced world of constant communication, it is sometimes important to stop and take a moment to celebrate our successes. This is one of those times.
Patricia Hodson, Vice President and Brokerage Manager, is very pleased to recognize and congratulate Sharona Alperin for her outstanding performance
in 2014. Her success was amazing and we look forward to 2015.
Congratulations.
Praised at a young age for her potential, Sharona followed the advice of veteran agents and became a Realtor. Subsequently, she has built her stellar career on in-depth knowledge of the market; sales, marketing and negotiation skills; trustworthiness;
discretion and, above all, dedication to her clients. Today, Sharona enjoys a coveted position in the upper echelon of Los Angeles area real estate professionals.
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Sunset Strip Brokerage
TOP PRODUCER
Congratulations.
Randy Ventura
Sharona Alperin Gia Casty
Doron Baruch
Joshua Halaszi
Sunset Strip Brokerage 9255 Sunset Boulevard, Mezzanine, Los Angeles, CA 90069 | 310.205.0305
sothebyshomes.com
Sotheby’s International Realty and the Sotheby’s International Realty logo are registered (or unregistered)service marks used with permission. Operated by Sotheby’s International Realty, Inc.
Presented by Sotheby’s International Realty’s
Along with Sharona we are very pleased to recognize and congratulate her team for their outstanding performance in 2014.
Congratulations.
Ivan Marchetti
Patricia Skeriotis
TOP TEAM
RECOGNITION
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TUeSDaY, March 3, 2015 | 115The MlS Broker caravaN™
