C-LOANS
LENDER LETTER Joke Du Jour
One day the big animals and the little animals decided to have a football game. As the first half went along, the big animals were scoring at will. Every time they got the ball they would run it in for a touchdown. Then came the second half... First play: The elephant runs the ball up the middle. WAP!! Tackled for a five yard loss. The little animals go back to the huddle cheering and congratulating each other. "Who made that tackle?" asked the ant. "I did," said the centipede. Second play: The rhinoceros runs the ball up the middle. WHOMP!! Tackled for another five yard loss. Back in the huddle the flea asked, "Who made that great stop?" "I did," said the centipede. Third play: The gorilla tries an end sweep, led by the hippo throwing the lead blocks. SMACK!! Centipede tackles him for a ten yard loss. Back in the huddle, the gnat asked the centipede, "Where were you in the first half?" The centipede replied, "Puttin' on my shoes!"
Buy Two Perfect Leads With Just One Turndown!
This is soooo exciting! Starting right now C-Loans will give you $20 in lead-purchase credits every time you refer just one commercial loan to C-Loans. With $20 in lead-purchase credits you can buy two perfect $9 leads and have change left over for a third lead.
Just go to C-Loans.com/refer and enter the email address of the borrower or broker with a commercial deal. We'll send your referral an email inviting him to apply. If he applies, we will credit your lead-purchase account with $20 towards the purchase of leads from your Lender Vault.
Every day you turn down four or five reasonable commercial loans because the loans are too small, too large, too far away or secured by out-of-favor properties. Instead of just throwing these valuable leads away, you can now trade them for commercial mortgage leads that are absolutely perfect for your bank. Please remember, of course, that you will still owe your normal software licensing fee if a deal closes.
If you are on commission, your greed glands should be pulsating about now. The arms of the robot from the old TV show, Lost in Space, should be swinging wildly, "Money, Will Robinson, money!" Please go to C-Loans.com/refer and bookmark this page right now.
Birds and Bees Joke
A man was helping one of his cows give birth, when he noticed his 9-year-old son standing wide-eyed at the fence, soaking in the whole event. The man thought, "Great...he's nine, and now I'm gonna have to start explaining the birds and bees. But there's no need to jump the gun. I'll just let him ask, and I'll answer." After everything was over, the man walked over to his son and said, "Well, Son, do you have any questions?" "Just one, Dad," gasped the still wide-eyed lad. "How fast was that calf going when he hit that cow?"
A Lifetime of Perfect Leads
If you refer a mortgage broker to C-Loans, and if the broker has not already registered on the system, you will earn $20 in lead-purchase credits for every commercial loan that broker enters into C-Loans in perpetuity, until the broker changes his email address.
C-Loans has many registered mortgage brokers who regularly enter five or more commercial loans into the C-Loans system every month. For you, that means $100 in lead-purchase credits every month for potentially years, all from the referral of just one mortgage broker to C-Loans. If you refer a dozen active mortgage brokers to C-Loans, you could easily earn enough lead-purchase credits to keep you busy originating perfect leads from your Lender Vault full-time.
Magician Joke
"What's your father's occupation?" asked the school secretary on the first day of the new academic year. "He's a magician, Ma'am" said the new boy, Johnny. "How interesting. What's his favorite trick?" asked the secretary. "He saws people in half," replied the boy. "Yikes," says the secretary. "Do you have any brothers and sister, Johnny?" "Yes," said Johnny, "Two half-brothers and a half-sister."
Do You See How C-Loans is Improving Monthly?
C-Loans is immensely important to your career. We deliver pre-screened commercial loan app's right to your email box. The more deals you close for us, the more loan app's you get.
You can take your record of closings with you to a new bank, so you can start out on Day One at your new bank with a dozen new app's to work.
If you close five loans with us while working at the bank, you can start your own mortgage company and still stay on C-Loans.
If you get slow, you can buy perfect leads from your Lender Vault.
If your marketing department won't let you spend cash to buy leads, you can now trade your worthless turndowns for perfect leads.
Wow. Every month C-Loans gets better and better.
But ... we caught a CMBS lender not paying us on a deal this month. His excuse was he had to do the deal at par. That's no excuse. If you close a C-Loans deal, you owe the fee. Now this loan officer is banned for the rest of his career. Because he was short-sighted, for the rest of his career he will be like the hungry man peering in through the restaurant window at the diners enjoying thick, juicy steaks.
Historically banks have not been very loyal to commercial mortgage loan officers. When money gets tight, commercial mortgage loan officers get laid off by the hundreds. It was a bloodbath in our industry in California in 1991. With Bernanke dead-set on breaking this economy, we might see mass layoffs again.
Therefore the smart loan officer will make sure he has a wonderful relationship with C-Loans, so when he has to move on to this next job, he can hit the ground running.
So please make sure C-Loans always gets paid.
YMCA Joke
"On this day in 1844 the Young Men's Christian Association, the YMCA, was founded. It was founded by a small group of friends: a construction worker, an Indian chief, a cop, a soldier, a cowboy... they all met at a disco." -- Jay Leno
Buy Some Leads
Many commercial lenders are slow right now. Instead of wasting thousands of dollars on some magazine ad that may never produce and won't even come out for 45 days, why not buy some leads from C-Loans? You can download a dozen perfect loans right now.
The two biggest buyers of leads on C-Loans are TCRM Financial and Integrity Financial. Not coincidentally, they are the two most successful lenders on the system. TCRM has closed 32 deals and Integrity has closed 31 deals. Look out TCRM! Integrity wants that top dog position. :-)
Fire Sale Joke
After meeting with the boss, the head salesperson mustered the troops. "People," he said, "I've just been informed that we're going to be having a fire sale." "A fire sale?" asked one agent. "But we sell insurance." "I said a fire sale, and I meant it," the boss replied rather coldly. "Anyone who doesn't make a sale gets fired." (Ouch!)
Your Easy Reply Messages Seldom Arrive
When you use the EasyReply System to send an email to the borrower, the borrower will seldom see it. Email filters eat 50% to 70% of these messages. So if you find an interesting deal, please pick up the phone and call the borrower.
And if the borrower doesn't return your call, it is probably because he has already found a lender. You need to call your leads within one hour.
GPA Joke
The closest my son ever got to a 4.0 in college was his blood alcohol content.
C-Loans Lenders Closed 7 Different Loans Today
Today was a particularly good day, but we got paid on seven different closings from seven different commercial lenders today. C-Loans works!
Penguin Joke
A young penguin walks into a bar and says to the bartender "Have you seen my dad?" The bartender replies, "What does he look like?"
C-Loans Borrower May Call You
Please be sure to always read these messages. You need to connect this borrower with C-Loans. If you close the deal without building in C-Loans' fee, your boss is going to be pretty sore.
Zarqawi Joke
As Zarqawi lay in the floor of the mud hut still smoking and reeking of the smell RDX, he muttered something in Arabic prior to meeting his maker. A Special Forces soldier who happen to have a recorder, recorded his last words. After two days of NSA examination and enhancement it has been determined that his last words were, “(Darn) that was loud!”
Don't Discuss C-Loans' Fee
For some reason a few lenders insist on saying to brokers, "I have to charge you 1.375 points instead of 1 point because I have to pay C-Loans." This is sooo dangerous. Sooner or later some broker is going to say, "Well, I already knew about the Bank of Podunk. In fact I did a loan with them two years ago. I shouldn't have to pay that extra 0.375 points."
For many of these loan agents and brokers, the temptation to cheat C-Loans will be irresistible. Sooner or later our research gals will discover the closing, and for the rest of their careers they will be blacklisted.
Alicia and I have already turned down repeated requests from at least 20 loan agents seeking reinstatement who were caught stealing from us. They begged and pleaded, but the answer is always the same, "No." A loan agent either has honor or not.
As a bank, you have the right to charge whatever fee you want. You don't tell your borrowers, "I'm charging 1 point because I have to pay rent." So don't get into these kinds of discussions with borrowers and brokers. You are tempting fate, and you will get caught.
Gold Miner Joke
A miner lost his leg in a pit accident in South Africa today. The poor fellow said afterwards, "I'm toast now. Who needs a one-legged gold digger?" "Not me!" shouted Paul McCartney. (Don't get it? The ex-Beatle is currently divorcing his one-legged wife.)
Become a Believer
C-Loans lenders closed 221 different commercial loans last year. Seven different lenders closed seven different commercial loans for us today alone. If you call your loan app's within one hour (email does not work at all), you will close a ton of loans. And you want to close a ton of loans for C-Loans because the rewards are fabulous, including financial security for the rest of your career.
Pancakes Joke
A mother was preparing pancakes for her two sons, Kevin, 5, and Ryan, 3. The boys began to argue over who would get the first pancake. The mother saw the opportunity for a moral lesson. “If Jesus was sitting here, He would say, 'Let my brother have the first pancake. I can wait.'” Kevin turned to his younger brother and said, “Ryan, you be Jesus!”
Please Don't Forget
You can now trade your unsuitable commercial loan inquiries for perfect deals by using C-Loans.com/refer.
Every day C-Loans gets better and better. :-)
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