We’ve been in the same Beverly Hills location for 25 years and are...

TUESDAY, JULY 28, 2015 | A1THE MLS BROKER CARAVAN™

We’ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!

Beth L. PeerceCo-Owner

Kilita SmithSr. Escrow Officer

Mireya RoudenkoSr. Escrow Officer

Luz LopezEscrow Officer

Michael FarfelEscrow Officer

Mary BensionCo-Owner & Escrow Manager

9454 Wilshire Boulevard Suite 901Beverly Hills, California 90212

(310) 273-7106

The Independent Escrow Company with the Best Service in Town

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THE MLS BROKER CARAVAN™A4 | TUESDAY, JULY 28, 2015

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.


*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

YOUR LENDING PARTNER, EVERY STEP OF THE WAY.

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*on exception only

Loan Production O�ces

242012

572014

Community Banking Service with Big-Bank Tools.

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.

2.8B2014

2012 1.2B

Home Loan Volume (in billions)

give us the Service Rating of Excellent*

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

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

91%

96%

30 DAYS OR LESSAVERAGE CLOSE TIME

A DIVISION OF BANC OF CALIFORNIA

800.874.5952 | banchomeloans.com/branch/beverly-hills


©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

WE HAVE MORE WAYS TO SAY YES!

CALL OR EMAIL ANY ONE OF OUR LOAN OFFICERS TODAY TO DISCOVER HOW WE CAN HELP MAKE THE HOME LOAN PROCESS EASIER FOR YOUR CLIENTS–ONE THAT WILL RESULT IN A POSITIVE EXPERIENCE THEY’LL TELL THEIR FRIENDS AND FAMILY ABOUT.

CRAIG FILSONDivision ManagerNMLS: [email protected]

MARIO PINEDOSenior Loan O� cerNMLS: [email protected]

CORT WAGNERSenior Loan O� cerNMLS: [email protected]

JAMES BRIDGESSenior Loan O� cerNMLS: [email protected]

JESSICA AUBUCHONSenior Loan O� cerNMLS: [email protected]

NICHOLAS SHARPSenior Loan O� cerNMLS: [email protected]

WESLEY JOHNSONSenior Loan O� cerNMLS: [email protected]

KELSEY FOSTERSenior Loan O� cerNMLS: 1183885818-736-1511 [email protected]

GEORGE KORZSenior Loan O� cerNMLS: [email protected]

JOCELYN DE GUZMANSenior Loan O� cerNMLS: [email protected]

Beverly Hills O� ce

A DIVISION OF BANC OF CALIFORNIA

800.874.5952 | banchomeloans.com/branch/beverly-hills


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.

Allen McLain | NMLS# 260520 (310) 656 - 8259

Simon Atik | NMLS# 961014 (310) 434 - 1735

Rochelle Ibarra | NMLS# 260504 (310) 370 - 4955

Jeremy Altervain | NMLS# 261164 (310) 656 - 8223

Brandon Richman | NMLS# 281348 (310) 721 - 7180

MAKES

ISCOMMITTEDSUCCESS

HAVINGTEAM WHO

DIFFERENCE.

A

TO YOUR

ALL THE

Amy Lustig | NMLS# 498752 (818) 632-3508

July 28 2015 Ad.indd 1 7/22/15 2:14 PM

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James Elliott NMLS ID:120474 CA - CA-DOC120474 - 413 0699 • NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699

We’ve built the industry’s most efficient technology so you can be the industry’s most efficient originator.

THE WORLD’S FIRSTDIGITAL MORTGAGE

YOUR BUSINESS. ONLINE. ANYTIME. ANYWHERE.

Be a rainmaker. Double your business. Contact us today to learn more.

Digitally Sign 1003 and DisclosuresFree Tri-Merge Credit Scores

Easy Document UploadsInstant AUS Approvals

Guaranteed Rate is an Equal Opportunity Employer

(310) 806-4604 [email protected] guaranteedrate.com/CALosAngeles 12121 Wilshire Blvd, Ste 350 • Los Angeles, CA 90025

James Elliott Senior Vice President, Divisional Manager

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© 2015 DOUGLAS ELLIMAN REAL ESTATE. EQUAL HOUSING OPPORTUNITY.

ELLIMAN.COM/CALIFORNIA

DOUGLAS ELLIMAN CONGRATULATES JOSH ALTMAN ON THE LAUNCH OF HIS BOOK

BR

AVO

EL

LIM

AN

AVAILABLE NOW FOR PRE-ORDER ATwww.THEJOSHALTMAN.com

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JOINELLIMAN

Our agents fi nd the best homes for our clients. Now we’re building the best home for our agents. With 80 offi ces and 5,700 agents nationwide plus the international scale and scope of Knight Frank Residential, the world’s largest independent property consultancy,

the Douglas Elliman network reaches across 55 countries and 6 continents to connect with the world’s most desirable customers.

OUR MARKETING TEAM IS EXPANDING!

WE ARE SEEKING CREATIVE TALENT TO

WORK WITH OUR AGENTS AND GROW

OUR INNOVATIVE BRAND.

IF INTERESTED, PLEASE CONTACT [email protected]

150 El Camino DriveBeverly Hills

ELLIMAN.COM

WEST COAST HEADQUARTERS | OPENING FALL 2015

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Join us for music, cocktails and the announcement of nominees for the

FIRST ANNUAL WILL ROGERS AWARDSbenefitting the City of Beverly Hills Community Charitable Foundation

and celebrating those special members of the community who Step Up.

6 - 8pmWednesday, July 29

Spaghettini & The Dave Koz Lounge - Beverly Hills184 North Canon Drive

Hosted by Mayor Julian Gold &FOBGP Program Chairs Deborah Frank, Franny Rennie, Annette Saleh

Kindly RSVP at 310-551-5438 or [email protected]

REAL ESTATE LIFETIME ACHIEVEMENT

REAL ESTATE ROOKIE OF THE YEAR

BEST NEW COMMERCIAL DEVELOPMENT

BEST HISTORIC COMMERCIAL DEVELOPMENT

BEST NEW RETAIL BUSINESS

BEST HISTORIC RETAIL BUSINESS

BEST NEW RESTAURANT

BEST HISTORIC RESTAURANT

BEST NEW RESIDENTIAL CONSTRUCTION

BEST HISTORIC RESIDENTIAL RESTORATION

310.551.5458 [email protected] 9990 S. Santa Monica Blvd, Beverly Hills CA 90212


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 July 22, 2015

NATIONALLY RANKEDMORTGAGE BROKERPER SCOTSMAN GUIDE#6 NATIONALLY RANKED

MORTGAGE BROKERPER SCOTSMAN GUIDE#32

AS SEEN IN THE

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DAVID OFFER Brentwood [email protected]

MARC & RORY SHEVIN Calabasas [email protected]@gmail.com

LARRY YOUNG & ASSOCIATES Beverly Hills [email protected]

ANDREW MANNING Sherman Oaks [email protected]

DAN URBACH Pacific Palisades [email protected]

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REAL Trends, Inc. annually names America’s top professional individual real estate agents and agent teams. Berkshire Hathaway HomeServices California Properties is pleased to acknowledge our agents and teams who are now members of the “The Thousand,” a prestigious list of America’s top 1,000 real estate professionals, compiled by REAL Trends and The Wall Street Journal.

Real Trends is a leading source of analysis and information for the residential real estate brokerage industry. Our award-winning agents are now ranked in the top one half of 1 percent of the more than 1,100,000 licensed REALTORS® nationwide.

To contact these and other Berkshire Hathaway HomeServices California Properties agents, visit bhhscalifornia.com.

Top Agents by Sales Volume Named by REAL Trends

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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 andSam Kraemer, Branch Manager | General Counselare pleased to welcome Wendy Gladsonto our Brentwood office.

Wendy can be reached at:310.923.2600 | [email protected]

Welcome Wendy Gladson

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COLDWELL BANKERRESIDENTIAL BROKERAGE

For information on how to affi liate with Coldwell Banker Residential Brokerage as an independent sales associate call (877) 317-4601 or visit WhyCB.com

Now affiliated with

Real estate agents affi liated with Coldwell Banker Residential Brokerage are independent contractor sales associates and are not employees of Coldwell Banker Residential Brokerage.©2015 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Coldwell Banker Residential Brokerage offi ce is owned by a subsidiary of NRT LLC. Coldwell Banker® and the Coldwell Banker Logo, Coldwell Banker Previews International® and the Coldwell Banker Previews International Logo, are registered service marks owned by Coldwell Banker Real Estate LLC.

We are excited about the recent affiliation of this outstanding group of Real Estate professionals...

Aimee Lane

Alan Sands

Andrea Jackson

Andrew Gharibian

Arash Kalantari

Armen Kebabchyan

Brian Politzer

Carrie Eacker

Christina Rice

David Atmajoana

Debra Caprio

Donna Manders

Elyse Gonnello

Erin Lear

Evelyn Dolphin

Frank Tang

Gabe Venturelli

Hatim Zaki

Heather Scherbert

Iral Toven

Janet Muradian

Jim Corbett

Joel Alpert

Joelle Kim

Joseph Gelson

Katerina Ryndenkova

Kearan Mulvey

Kevin Hughes

Michael Telega

Michael Waxman

Minou Juelge

Ounchana Firestone

Richard Brazil Jr.

Richard Spracher

Rosa White

Sam Montes

Sarah Chesko

Sean Landon

Stacy Clunies-Ross

Stephanie Gethers

Stephanie Spencer-

Tellefsen

Tim Tighe

Todd Bollinger

Vida Mahrouyan

Yaniv Bauman

Yueh-Li Aliabadi

Yvette Page

Yvonne Estrada

Erin Lear

Mike WaxmanKearan Mulvey

Evelyn DolphinAlan Sands

Kevin Hughes Richard Spracher

Arash Kalantari

Stephanie GethersSam Montes

Joseph Gelson

Donna Manders

Jim Corbett

Iral Toven

Sarah Chesko Yueh-Li Aliabadi

We’ve been in the same Beverly Hills location for 25 years and are...

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