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THE MLS BROKER CARAVAN™A2 | TUESDAY, SEPTEMBER 1, 2015

Wintrust Mortgage Welcomes to our Beverly Hills OfficeANET MORADKHANIAN

Beverly Hills350 South Beverly Drive, Suite 350

Beverly Hills CA 90212

Anet Moradkhanian Senior Mortgage Consultant NMLS# 379942350 S. Beverly Dr., Beverly Hills, CA 90212

Cell: 310.941.8250Office: 310.676.6666 [email protected] www.WintrustMortgage.com

Anet has been in the mortgage industry since 2006 and has worked at some of the biggest banks in the industry, where she consistently achieves top loan officer recognition. Anet’s professional career has been dedicated to helping her clients achieve their unique financial goals.

Anet’s goal is to close every transaction in a timely manner. She is committed to providing her clients exceptional customer service and will always strive to giving her clients a professional and smooth loan experience. Anet’s strong work ethic, honesty and expertise allows her to maintain a diverse client and referral base.

We encourage you to contact Anet today so together we can find the right solution to help you on the path to home ownership.

Specializing in:

• FHA & VA

• Jumbo, Fixed & ARM

• HARP Refinancing (up to 150% LTV options available)

• Self Employed Borrowers and Portfolio Products

• Agency Conforming and High Balance (FNMA/FHLMC)

“Anet is a very hard working and professional Loan Officer. Being an agent myself, I was very impressed with the professionalism she displayed on a refinance that she worked for me. Despite the obstacles that came her way, Anet stayed focused on the “big picture” and was able to rise above the obstacles and get the deal closed. On another deal, Anet did the purchase loan for my partner, who is very very hard to deal with, on an investment deal. Once again, despite the petty nick-picking from my partner, Anet was able to rise above, keep her focus, and get the deal done.” - Steve S. Real Estate Agent. 8/7/15

“I would like to express a special story to every person out there who owns or is about to buy a home. My wife and I are extremely grateful to Anet Moradkhanian for all her help getting us an incredibly cheaper rate while refinancing my VA loan. Having gone through refinancing prior, I learned the difficulties and hazards of trust, time and communication while trying to complete the process. Anet is not just dedicated and focused, but she kept a firm, persistent attitude during this process. She displayed a ‘will never let you down’ temperament throughout the entire arrangement. She is extremely professional and was a Godsend to us, having saved us a generous amount on our monthly mortgage. Anet Moradkhanian will always be a true close friend of ours.” - Rick D. 8/6/15

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. 1507803682KO

Join us in welcoming Anet to Wintrust Mortgage!

Wintrust Mortgage is proud to announce our latest great addition to our Beverly Hills office,

Servicing the following areas:

Beverly Hills, Santa Monica, Pacific Palisades, San Fernando Valley, San Bernardino Area, Malibu, Glendale, Pasadena, Studio City, Santa Barbara and all 50 states.

150804003 AMoordkhanian Wintrust MLS Guide final.indd 1 8/25/15 4:14 PM

TUESDAY, SEPTEMBER 1, 2015 | A3THE MLS BROKER CARAVAN™

Loans are a PuzzleYou need experts to help you fit the right pieces together.n Work directly with you and your clientn Stellar support staff, always keeping buyers informed and engaged in every transactionn No deal is too small or too bign A true partner you can count on for all your escrows

Let us put all the pieces together on your next sale.

Prospect Mortgage proudly presentsYour mortgage experts in the Los Angeles area

Loan inquiries and applications in states where we are not licensed will be referred to a Loan Officer who is licensed in the property state. Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC (NMLS Identifier #3296, www.nmlsconsumeraccess.org) is a Delaware limited liability company, licensed by the Department of Business Oversight under

the California Residential Mortgage Lending Act. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. Rev. 10.30.14 (1014-1704) LR 2014-876

Follow us on social media:

Mike HartunianVice President NMLS# 247330

Direct: (818) 728-3702 [email protected]

www.mikehartunian.com

Joe ParisiVice President NMLS# 255572

Direct: (818) 728-3703 [email protected] www.josephparisi.com


cohen� nancialgroup.comP 310.777.5401 | F 310.777.5410

Preferred lending

partner for:

9595 Wilshire Blvd., Suite 801, Beverly Hills, CA 90212 *By dollar volume in 2014, Scotsman Guide, April 2015.

©2015 Cohen Financial Group, a division of CS Financial Inc. All Rights Reserved. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate, lic# 01257559, NMLS# 31162.

We close more deals—even the toughest ones.

Cohen Financial Group’s flexible lending products and proprietary banking resources have helped Mark Cohen open more doors as the #1originator in the country.* From self-employed borrowers who have difficulty showing income to high-net worth borrowers wanting to use assets and income to repay a mortgage, we have the lending solutions our partners need to close more deals.

We handle each client’s situation with a unique, personalized approach, and when it comes to getting the right loan at the right rate for our client, we will do whatever it takes. With over $10 billion funded and over 18,000 loans closed—we will find a way, even on the toughest deals.

Introducing: Sasan [email protected] 01959640NMLS 1194434Originator Specializing in Multi-Family & New Development

Mark Cohen, BrokerBRE#: 1016103 - NMLS#: 37230 | markcohen@cohen� nancialgroup.com

Seth Cohen, BrokerBRE#: 01935101 - NMLS#: 982573 | seth@cohen� nancialgroup.com

2014 Production

$644,912,228

671 Loans

410Purchase

Loans

216Re� nance

MarkCohen

#1 ORIGINATOR

NATIONWIDE

2014


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. 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. EQUAL HOUSING LENDER

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.


WE HAVE MORE WAYSTO SAY YES!BANC HOME LOANS, a division of Banc of California N.A., (NYSE: BANC) has provided home loans to borrowers

throughout California and across the West since 1941. We combine the speed and agility of a decentralized

mortgage lender, with the expertise and resources of a tier-one bank–and our complete selection of portfolio

lending products o� er More Ways To Say YES! to your buyers.

*on exception only

FLEXIBLE PORTFOLIO LENDING

• Non-QM Experts

• Alternative Documentation

• 1-Year Tax Return

• 12-Months Bank Statements

• Asset Depletion

• Expanded Criteria (Second Chance) Programs:

• FICOs to 620*

• I/O Options Available on Most Programs

CONVENTIONAL LENDING

• Conventional Conforming (“Agency”)

• Agency High Balance

• Jumbo/Non-conforming

• Jumbo Conduits

• FHA, VA, CalHFA, USDA

• Renovation Lending: 203(k), HomeStyle®, Construction Lending

• Home Equity Line of Credit (HELOC)

• Reverse Mortgages

• Niche Products

*Third-party survey representing 2,542 client responses over a 365-day period, April 2014 to April 2015. ©2015 Banc of California, National Association, dba Banc Home Loans. All rights reserved. Not all applicants will qualify. Some products o� ered by Banc Home Loans include modifi ed documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your Loan O� cer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APR’s and programs are subject to change at any time until locked-in. NMLS #530611 EQUAL OPPORTUNITY LENDER | MEMBER FDIC

“My experience was the best I could imagine it being.” The West Family, Laguna Niguel, CA

30 DAYS OR LESS

AVERAGECLOSE TIME

We asked over 2,500 Banc Home Loans clients to provide their feedback and the results are unanimously positive:

800.874.5952 | banchomeloans.com/branch/beverly-hills

96%indicated they

“would refer or recommend us to friends or family”*

91%give us the Service Rating of

Excellent*


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

Irrevocable Trust, Blind Trust, & LLC Vesting OK. Purchase or Refinance. Business Funds Allowed.

Self Employed & Real Estate Investor OK

Purchase, Rate and Term and Cash-out

2.500%

2.643%APR

3/1 Adjustable Rate Mortgage

1st Lien Loans

1st Lien Loans

$500,000 - $4,500,000 • 60% LTV

3.750%

3.907%APR

5/1 Adjustable Rate Mortgage$500,000 - $4,500,000 • 60% LTV

©2015 Insignia Mortgage, Inc. *(1) These products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on appraised value. Actual closing times will vary based on borrower qualifications and loan terms. Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE #01969620, NMLS #1277691. (2) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (3) Loan to Cost (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal. Loan to values (LTV) are values based on a bank appraisal.

30-Day Close!Sampling of rates as of August 26, 2015

NATIONALLY RANKEDMORTGAGE BROKERPER SCOTSMAN GUIDE#6 NATIONALLY RANKED

MORTGAGE BROKERPER SCOTSMAN GUIDE#32

AS SEEN IN THE


800.957.0010FirstCapitalmtg.com

RMR Financial, LLC d/b/a First Capital, 16780 Lark Avenue, Los Gatos, CA 95032. NMLS ID #49456 (www.nmlsconsumeraccess.org). Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. This is not a commitment to lend. Loan programs, rates and terms subject to change without notice and are subject to property and credit approval. For informational purposes only. Restrictions may apply. Your real estate professional is not a mortgage lender. Please contact your Loan Offi cer for information about mortgage products and your eligibility for home fi nancing.

L O C A L L E N D I N G • L O C A L D E C I S I O N S • L O C A L P E O P L E

Whenever I need to get a deal closed

quickly, I ALWAYS CALL FIRST CAPITAL

and they always get the job

done.

“

”~ Delphine MannColdwell Banker Previews International

At First Capital, our loan offi cers are dedicated to earning

your business by providing customized fi nancing options to meet

your unique needs. They work hand in hand with your real

estate agent to ensure that you are making the best choices

for your fi nancial goals. We only partner with Top Real Estate

companies – and you.

MAKES

ISCOMMITTEDSUCCESS

HAVINGTEAM WHO

DIFFERENCE.

A

TO YOUR

ALL THE

Rick Lombardo | NMLS# 662155 (310) 435-7439

Vic Kosor | NMLS# 339109 (805) 490-9825

Linda Cohen | NMLS# 236951 (818) 731-2077

Josh Pascua | NMLS# 584337 (805) 883-4528

Sam Manoo | NMLS# 949421 (310) 266-8624

August 25 2015 Ad (LA - Coastal).indd 1 8/19/15 10:19 AM

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B E V E R LY H I L L S B R E N T W O O D M A R I N A D E L R E Y D O W N TO W N S U N S E T S T R I P S H E R M A N O A K S TO L U C A L A K E PA S A D E N A

John Aaroe andSusan Jacobs, Branch Managerare pleased to welcome Michael Berginto our Toluca Lake office.

Michael can be reached at:310.600.0715 | [email protected]

Welcome MICHAEL BERGIN

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B E V E R LY H I L L S B R E N T W O O D M A R I N A D E L R E Y D O W N TO W N S U N S E T S T R I P S H E R M A N O A K S TO L U C A L A K E PA S A D E N A

John Aaroe andSusan Jacobs, Branch Managerare pleased to welcome Joan Duffyto our Sherman Oaks office.

Joan can be reached at:310.995.0900 | [email protected]

Welcome JOAN DUFFY

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Minimize Down Payment, Maximize Monthly Cash Flow!Visit us at mortgagecapitalpartners.com or call us at 310-295-2900.

Exciting New Jumbo Options

15% Down with One Loan

$3,000,000up to loan amount

NO MORTGAGE INSURANCE, NO HELOC30yr Fixed Rate and ARM Products Available

10% Down on Jumbo Loan

$1,275,000up to combined loan amount

MINIMIZED DOWN PAYMENT, NO MI30yr Fixed Rate or ARM plus Interest Only HELOC

15% Down Interest Only

$2,000,000up to appraisedvalue

IO FIRST + FIXED SECOND MORTGAGE10/1, 7/1 or 5/1 ARM plus Fixed Rate HELOC


W e n d y W i l k i n sG a r y L o e b i g

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W E A LT H B U I L D I N G A G E N T SK E E P 1 0 0 % O F T H E I R C O M M I S S I O N

W h o s e w e a l t h a r e y o u b u i l d i n g ?C a l l C h u c k K e l l e r t o d a y t o s t a r t b u i l d i n g

y o u r w e a l t h o n y o u r n e x t c l o s i n g .

C h u c k K e l l e rC E O - Te a m L e a d e r( 3 1 0 ) 6 2 3 - 1 3 0 0C h u c k K e l l e r @ K W . c o m

M a r y E l l e n O r t i z

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R a n d y W r i g h t

S c o t t m a n W a l l


West Los Angeles ● Marina Del Rey/Venice ● Santa Monica ● Los Angeles ● Rancho Palos Verdes ● Abbot Kinney

RealEstateLosAngeles.com

Would like to Welcome...Monte Hartman, Branch Manager of our West Los Angeles O�ce!

CELL: E-MAIL: [email protected]

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