2010 TNR Media Kit

who and what we are

The Niche Report delivers unique and insider coverage of the mortgage and finance industry that powers our country’s economy. Insight, innovation and information that you won’t find in the mainstream press. We tackle the issues others don’t understand, reporting on companies that lead the industry, trends before others see them, legislation that matters, and commentary that’s anything but common. The Niche Report has 20,000 subscribers nationwide and readership of 55,000 mortgage and finance professionals every month.

Reach youR TaRgeT maRkeT. Tap into our national circulation of loan originators located in high value real estate markets.

“WhaT makeS youR PuBLIcaTIoN uNIQue?” This is the best question ever asked!

· The concept of our magazine is “simplicity”. We don’t bore the reader with an over-abundance of content. This allows us to publish the best articles written by industry veterans. We are not a news-related medium. We tell stories through our editorials and articles educating, entertaining and informing our readers.

· Not only do we have highly regarded editorial/article content, we also have what we call “The Niche Reports”. This is basically a comprehensive lender directory that can be used in similar fashion as the Yellow Pages. This works for us (and our advertisers) in the fact that we can be used as a tool, therefore our “shelf-life” is longer than other trade publications. Readers will continue to reference TNR throughout the month looking for a lender to help fund their deals. No other industry trade magazine itemizes a complete database of residential and commercial wholesale lenders like TNR.

· Readers reference our comprehensive wholesale lender directory with multiple lending categories such as Commercial, Prime & FHA, Reverse Mortgages, Hard Money, Construction & Rehab, Non Prime & Alt-A.

· Superior quality. Pick up our magazine and compare it against ANY of the other trade magazines and you will quickly realize that our heavier stock paper (as well as larger size) has a feel and look that is in a league of its own. Again, not cheap to produce, and I assume that is why others go the more traveled road.

THE NICHE REPORT IS MAILED DIRECTLY TO APPROXIMATELY 20,000 (EFFECTIVE REACH OF OVER 55,000) RESIDENTIAL & COMMERCIAL LOAN ORIgINATORS, CORRESPONDENT AND WHOLESALE LENDERS, LOAN OFFICERS AND MORTgAgE PROFESSIONALS EACH MONTH.

Financing

Condo Hotels &

CondoResort Residences

Understanding this

niche market.

BY CRAIG M. FLAHERTY

T he first thing I ever learned in business

was this: Niche marketing is powerful.

In fact, it’s the only way to go in

my opinion. Before entering the mortgage

industry, I worked as a top producing Account

Executive for a Fortune 500 company. I also

have an M.B.A. from one of the top business

schools in the world. From all my experience

and all my studies, one thing has always

rung true about business: Get a “Niche” and

go from there. When I first started in the

The Short-Refinance

by loren gingerich

A short-refi (short-refinance) has been around for quite a few years. Until its re-

cent exposure, it has been said to be one of the industry’s best kept secrets. It is not common knowledge that a lien holder will accept a short-payoff of the current loan, while allow-ing borrowers to keep their property and refinance with a new lender. But, that is exactly what can be accom-plished with some lien hold-ers and a properly negotiated short-refi offer. You will notice that I said some and not all lien holders. This is because the fi-nal decision to accept a short-refi offer is completely in the hands of the investor on that particular mortgage. This is also true with short-sales or loan modifications. There is absolutely no company out there that can guarantee a short-refi, short-sale or loan modification will be ac-cepted. That is one thing that the property owner should keep in mind and acknowledge upfront when hiring a third-party to perform any of these solutions. In getting short-refis completed, our company can say that we do have a 70% success

Find success in this growing niche.

August.indd 16 7/28/08 2:17:13 PM

TheNicheReport.com 21

You hear the term all the time, but most people don’t know exactly what a “hard money”

loan is. The truth of the matter, is that a bit of time should be invested in understanding this unique loan type since it is an effective tool in a broker’s arsenal of possible commer-

cial lending types. Brokers that have a strong relation-ship with a hard money lender simply make themselves available to assist their clients and earn a fee that they ordinarily would not.

But what exactly is a hard money loan? Let’s look at the attributes of this loan, review some examples of how and why it’s used and further explore how lenders make these unique loans happen.

Why hard Money?A hard money loan is most easily recognized by its

distinguishing characteristics including a low loan to value, high rates and high fees. But it is best known for its ability to close quickly; often times hard money loans can move from start to close in 30 short days.

So, why would someone need to close a loan in 30 days? It turns out there are many reasons that a quick turn around might be necessary. For instance, consider a woman who is aware of a piece of available property that is near the site of a soon-to-be-built shopping center. The land owner will sell the property at a lower cost, but only if the deal can close in the next 30 days. If the borrower were to go the traditional borrowing route,

closing would take 60 to 90 days meaning she would lose the opportunity to secure the land at the reduced rate. By securing a hard money loan, the borrower will pay higher rates and fees, but can close quickly knowing that she will earn a significant return in a year when the shopping center’s construction is complete and the land’s value has increased.

Despite the high fees and rates, a hard money loan might be the only choice to help borrowers out of a sticky spot. For example, consider the individual who’s lender is about to foreclose on his property unless he can repay a certain amount within a short time period. The property is worth $10 million and the borrower owes $1 million against it. If the property is foreclosed upon, all of the property’s equity will be lost. Although a hard money loan carries high fees and rates, it enables the borrower to meet the aggressive repayment timeframe and save the equity in the property.

hoW hard Money WorksA lender that specializes in hard money loans is

equipped to handle the expedited closings of 30 days or less, which makes them unique in the lending space. These firms do so by preparing themselves with all of the necessary underwriting resources (attorneys, appraisers, etc.) to review and approve a loan very quickly.

Hard money lenders employ a lower loan to value ratio than a traditional lender might. For instance, a commercial loan to value might range from 70 to 95 percent. A hard money lender, however, will lend at no more than 50 percent loan to value, which allows the firm to recover its investment should the need arise.

hard Money, easy CoMMerCIaL deaL

By andreW BoGdanoFF

A hard money loan might be the only choice.

NICHE REPORTS

TheNicheReport.com 41

CONSTRUCTION / REHAB

Financing may not be available in all states. The above summaries are intended for Mortgage Professionals only, and not intended for distribution to consum-ers, as defined by Section 226.2 of Regulation Z, which implements the Truth-In-Lending Act. Information is subject to change without notice. Refer to each lender’s information on products, program, procedures, representations, and warranties for details.


Manaseh, Epharim & Associates 678-387-3230

Metro Funding Corp 866-302-6360

National Business Finance954-495-4791

RBA Capital610.293.8008

Remington Financial Group, Inc480.905.3239

Private lender specializing in commercial real estate loans nationwide and internationally

Fast closing, no points up front, all commercial properties including land, acquisitions, refis, and development loans

100% LTC Worldwide Non Recourse International Commercial and Residential Subdivision Projects (including land acquisitions, development, buyouts and mezzanine funding)

Loan portfolio financing and warehouse lines of credit from $2MM - $20MM for hard money lenders and investor rehab lenders. Reduce your local bank and private investor hassles with stable and consistent financing

Up to 95% financing construction, rehab, renovation, development

Premium Listings

CONSTRUCTION / REHAB Lender Listings Sponsored by Lenderlab.com

Advantage Capital Equity Solutions 800-223-3019 www.adcapequity.com

Affinity Bank 877- 862-7245 www.affinitybank.com

Alliance Financial, Inc. 866-603-5999 www.afiloans.com

Arlington Richfield 248-613-7423 www.arlingtonrichfield.com

Avant Capital Partners, LLC. 212-219-9419 www.avcapital.net

Berkshire Capital Financial, Ltd. 212-986-9890 www.berkshirecapital.net

BFS Capital, LLC. 510-381-1930 www.bfscapital.com

BlueWater Funding, LLC 866-551-2583 www.bluewaterfundingllc.com

Brookview Financial 877-734-2211 www.brookviewfinancial.com

Builders Capital Mortgage 877-647-6984 www.builders-capital.com

California Equity Lenders 818-584-2320 www.calequitylenders.com

Central Tejas Capital Group, Inc. 317-351-8037

Commercial Hard Capital, LLC 832-607-6778 www.commercialhardcapital.com

Commercial Mortgages 101 800-763-3036

Community Commerce Bank 916-648-2680 www.ccombank.com

Cushman Rexrode Capital Corporation 925-988-7200 www.cushrex.com

Diamond Bay Investments, Inc. 702-254-9303

Eastern Savings Bank 800-787-8187 www.easternsavingsbank.com

Eastgate Equities 800-997-7244

Exeter Holding Ltd. 516-338-7500

Flagstar Bank 800-897-7222 www.wholesale.flagstar.com

Gaukroger Enterprises, LTD. 510-677-9464

Investor Funding 864-213-3951 www.4investorfunding.com

Lib Properties, LTD. 404-256-8600 www.libloans.com

Midwest Financial Capital 317-844-7776 www.midwestfinancialcapital.com

National Business Finance 954-495-4791

Pacific Mortgage Funding Corporation 562-864-4006 www.pacificmortgage.com

Piedmont Capital Lending, LLC. 678-292-6984 www.piedmontcapitallending.com

PNC ARCS 800-275-2727 www.askARCS.com

Real Estate Lending Group, Inc. 408-718-2218 www.relginc.com

Remington Financial Group 480-570-0679 www.remingtonfg.com

Small Business Loan Source, LLC. 512-215-2727 www.adelinerem.com

TCRM Commercial Corp. 212-371-3933 www.tcrmcommercial.com

Terrace Capital 212-671-1031 www.terracecapital.com

The Loan Doctors, Inc. 954-647-7679 www.regd506.com

Titan Hard Money 323-377-0979 www.titanhardmoney.com

United Midwest Savings Bank 614-255-3499 www.umwsb.com

WexTrust Capital, LLC 212-643-6190 www.wextrust.com

WholesaleLending.com 866-303-6301 www.wholesalelending.com

42 August 2008

NICHE REPORTS


DOWN PAYMENT ASSISTANCE

Futures Home Assistance800-672-4055

Grant America Program240-780-3333

Partners In Charity800-705-8350

Lowest national fee $295.00 complete online processing and FHA training. Use Futures for down payment, closing cost, escrow refund, etc.

The only HUD approved and IRS compliant down payment assistance program available

Down payment assistance done the correct way up to 10% nationwide for FHA and conforming loans. Live customer service to answer any questions. EZ online processing and a low low fee of $295.00

Premium Listings

DOWN PAYMENT ASSISTANCE Lender Listings Sponsored by Lenderlab.com

Arlington Capital Mortgage Corp 800-814-9432 www.acmcwholesale.com

Circle Mortgage Corporation 800-576-1338 www.circlemortgage.com

Commercial Mortgages 101 800-763-3036

Countrywide Bank 866-212-4378

Financial Freedom 800-500-5150 www.financialfreedom.com

Financial Heritage 800-895-2209 www.financialheritage.com

Generation Mortgage 866-733-6089 www.generationmortgage.com

Liberty Reverse Mortgage 866-871-1353 http://libertyreversebroker.com

Wells Fargo Reverse Mortgage 800-336-7359

World Alliance Financial Corp. 800-562-6755 www.worldalliancefinancial.com

Silvergate Bank (cml) 858-362-6300 www.silvergatebank.com

World Alliance Financial877.692.7762 Ext 404

Reverse Mortgage opportunity for non-FHA licensed brokers

Premium Listings

REVERSE MORTGAGES Lender Listings Sponsored by Lenderlab.com

Buyers Assistance 888-901-5715 www.buyers-assistance.com

Partners In Charity 800-705-8350 www.partnersincharity.org

PayoutOne 800-945-2495 www.payoutone.com

Purchase Pros 877-323-4929 www.thepurchasepros.com

REVERSE MORTGAGES

ADVERTISE YOUR NICHES HERE WITHIN

AUGUST 6

CAMB Annual Convention & Grand Exposition, Sacramento, CA. Visit www.cambweb.org for details.

AUGUST 7


Housing Forecast/Pending Home Sales Index released by the NAR.

AUGUST 8


AUGUST 9


AUGUST 14

Qtr. Metro Home Prices/State Resales released by the NAR.

AUGUST 20

Commercial Leading Indicator released by the NAR.

AUGUST 22

NAMB/Southeast Second Annual Regional Conference, New Orleans, LA. Visit www. namb.org for details.

AUGUST 23


AUGUST 24


AUGUST 25


July Existing-Home sales released by the NAR.

SEPTEMBER 9

Housing Forecast / Pending Home Sales Index released by the NAR.

SEPTEMBER 11-12

MBA’s Quality Assurance Conference at La Costa Resort and Spa in Carlsbad, CA. Visit www.mbaa.org for details.

SEPTEMBER 14

MBA’s Regulatory Conference at JW Marriott Hotel in Washington, DC. Visit www.mbaa.org for details.

SEPTEMBER 15


SEPTEMBER 16


SEPTEMBER 17

Commercial Real Estate Market Forecast released by the NAR.

SEPTEMBER 19

NABMB's Wholesale Lending & Education Fair 2008 at the Hilton Garden Inn, Greenbelt, MD. Visit www.nabmb.org for details.

SEPTEMBER 24

August Existing-Home Sales released by the NAR.

SEPTEMBER 25–26

WAMB 2008 Northwest Wholesale Lenders Conference & Expo at the Maydenbauer Center, Bellevue, WA. Visit www.wamb.org for details.

CALENDAR OF EVENTS

10 August 2008

Upcoming Key Dates & Events: AUGUST & SEPTEMBER

AUGUST 2008

S M T W T F S

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3 4 5 6 7 8 9

10 11 12 13 14 15 16

17 18 19 20 21 22 23

24 25 26 27 28 29 30

31

SEPTEMBER 2008

S M T W T F S

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14 15 16 17 18 19 20

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703.991.2362www.TheNicheReport.com [email protected]

cIRcuLaTIoN SNaPShoTTotal circulation: 20,000Total Readership: 55,000(approx. 50% controlled and 50% subscription)Mortgage Broker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36%Retail/broker loan officer . . . . . . . . . . . . . . . . . . . . . . . 21%Mortgage Banker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19%Wholesale Lending Manager . . . . . . . . . . . . . . . . . . . . 15%Other Mortgage professional (i.e. Realtor, Appraiser, Resource Company etc...) . . .9%

NaTIoNaL RegIoN BReakdoWNMidwest . . . . . . . . . 7%North East . . . . . . 22%South East . . . . . . 19%South West . . . . . 16%Western . . . . . . . . 36%

Midwest7%

south east19%

south west16%

north east22%

western36%

advertisMent rates & specifications

full color

niche listing w/out ad

Full Page�

1/2 Page�

1/4 Page�

1/8 Page�

Listing $495

Front Cover�

Back Cover�

Inside F Cover�

Inside B Cover�

�

2 Page Spread�

Inserts* �

Multi Month insertion discount rates

Full Page

1/2 Page

1/4 Page

1/8 Page

Back Cover

Inside F Cover

Inside B Cover

2 Page Spread

Inserts*

preMiuM ad rates

Flate Rate

1/

1/

1/

Premium cover8” x 7.5”

Full Page With Bleed8.625” x 11.125”

1/4 Page Vertical3.875” x 5.125”

4 Page horizontal8” x 2.5”

Premium Back coverWith Bleed

8.625” x 8.875”

8 Page horizontal3.875” x 2.5”

1/2 Page Vertical3.875” x 10.5”

2 Page horizontal8” x 5.125”

MagTLive.2

aZine specsrim Size: 8.5 x 10.875

area: For ads with bleed please allow a 5” safety around inside trim of ad for type.

703.991.2362www.TheNicheReport.com

[email protected]

Media Kit 2010

.com866.964.2695

Page 3Opposite Inside Front

Page 3Opposite Inside Front

$2,365 $2,128 $2,010 $1,892

1,540 1,386 1,309 1,232

1,025 922 871 820

819 737 696 655

3,599 3,239 3,060 2,879

3,085 2,776 2,622 2,468

2,570 2,313 2,184 2,056

2,770 2,493 2,355 2,216

3,599 3,239 3,059 2,879

4,630 4,167 3,935 3,704

$4,1 15

3,599

3,085

2,570

2,770

3,599

4,630

$2,365

1,540

1,025

819

ad deadlinesSpace reservations and artwork is due by the 1st of every month prior to publication month, no exceptions please.

digital file specsAdvertisements must be saved as PDF files and must be high resolution (300 dpi or greater) and/or optimized for press when distilled. Embed fonts when creating PDF files. All files must be to correct specs size

send artworK via direct eMail or ftp transMissionFor FTP transmission please contact our Ad Production Manager at [email protected].

contactFor questions or to reserve your ad space today, please contact The Niche Report at 866.964.2695.

annual premium lender niche listing……………………..$1995One time payment for an entire year (12 issues) in TNR.Highlight your company above our junior lender listings for an entire year (12 issues). You’ll also be featured in our lender & resource directory and online lender search engine.

SINgLE INSERTION RATES

* Insert rate does not include design and manufacturing** Premium Placement – Pages 4-11 or guaranteed positioning requests require a 10% rate increase

compliment your print media campaign with a wide variety of electronic media options.Dominate TheNicheReport.com web site with an advertising sponsorship on our home page or secondary page. Home page banners are located center bottom, your ad will be instantly viewed by an average of 15,000+ visitors to our site every month! Need to drive traffic to your own web site, make an industry announcement, or gain more exposure for your products and services? This is the perfect place to advertise your brand and message. Home page banner ad size: 220x130 pixels, and can be animated. home Page Banner Positions . . . . . . . . . . . $900(monthly fee)Premium placed Secondary Page . . . . . . . . $900(monthly fee)Non premium placed Secondary Pages . . $500(monthly fee)

eNewsletter marketingOur eNewsletter is an efficient and powerful way to reach thousands of mortgage industry professionals. Our eNewsletter consists of the prior months’ digital magazine with headline stories and updates from TNR. Click here for an example of our eNewsletter. The following sponsorships are available:1st placement banner . . . . . . Pricing: $7502nd placement banner . . . . . Pricing: $6003rd placement banner . . . . . . Pricing: $4504th tier and below . . . . . . . . . Pricing: $300

eNewsletter Size & FormatAll banners are 160x200 pixels. We accept gIF and JPEg.Static banners only, no animations (Image must not loop). Rich Media (including Flash) is not accepted.

TechNIcaL SPecS for Website Banners

Frames and Looping: Maximum frames: 4; Looping: 3 times

Maximum File Size: 50K or less

Materials due: Two (2) business days prior to posting, five (5) business days for rich media

Include with instructions: Referring URL and alt text

Cancellation Policy: Banners & sponsorships require a 2-week written cancellation notice.

Formats: Currently Accepted: gIF, Animated gIF, JPEg, HTML

Non-accepted formats: Java, Java Applet, Video, Rich Media (including Flash) is not accepted.

aRTIcLe SuBmISSIoNS:We deadline on approximately the 10th of each month prior to that month’s issue (see 2010 editorial calendar). Please submit all articles in Word format (no exceptions). Word count can be between 500 – 1500 words. Make sure to include a bio/citation and optional jpg of the author. If we choose to publish your article, you may NOT reprint this article for at least 6 months with any other magazine or media out-let. Submit your article to [email protected]

When you submit your article via email, please submit the answers to these questions:

- Does The Niche Report have your explicit permission to publish the article you have just remitted?

- Please confirm that this is your original work in its entirety.

- Has this article ever been published before? If so, where and what date?

- Do you agree not to reprint this article in another mortgage magazine or media outlet for at least six months?

NOTE: We also look for articles that could fit our “Feature” article stan-dards. The Feature article may be longer in word count (around 1500 – 2000 words) and is made to stand out among the other articles. If you are interested in submitting a Feature article, please forward us your topic(s) to [email protected]

We reserve the right to edit articles. If there are major changes we will try and notify you first before it goes to print. We also reserve the right to reprint remitted articles on partner websites and/or other me-dia outlets.

January

February

march

april

may

June

July

august

September

october

November

december

Business outlook - Goal setting, industry specula-tion for the year, Overall expectations for 2010

lead generation - All different types of lead gen-eration techniques. Effective methods of generat-ing leads.

Marketing concepts - Strategies on marketing in this difficult climate.

education - What forms of education does the LO and Brokers need to maintain relevancy.

compliance & legal issues - All the legal an compliancy changes now in place, and what is to come in the future.

origination strategies - Creating customers for life, consumer-direct marketing, improving Realtor and builder relationships, creating niches, network-ing, referrals, etc...

commercial & hard Money - Focusing on all top-ics related to commercial and hard money lending

technology - How technology is changing our profession. New methods of helping the originiator.

legislative & regulatory - Developments at the federal and state level

industry trends - Discuss the movement of wholesale versus retail, net branch, fed charted.

creative financing - Financing strategies for bor-rowers who may not fit conventional methods.

Branch office - The pros and cons of creating a branch office. Different compensation models.

space – Nov 24th art - dec 1st

space - dec 23rd art - dec 30th

space - Jan 25th art - Feb 1st

space - Feb 22nd art - march 1st

space - march 25th art - april 1st

space - april 26th art - may 3rd

space - may 25th art - June 1st

space - June 24th art - July 1st

space - July 26th art - aug 2nd

space - aug 25th art - Sept 1st

space - Sept 24th art - oct 1st

space - oct 25th art - Nov 1st

2010 editorial calendar

Issue Focus Deadline

Documents

2010 TNR Media Kit