Mortgage Stuff Newsletter - Commercial Property Values Continue to Rise
Volume 15 Issue 13

Newsletter Date: October 1, 2015


MORTGAGE STUFF (C-Loans Client Letter)

You are receiving this letter because you are a commercial mortgage broker client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today we'll talk about the fact that it is now cheaper to manufacture in the U.S. than in China and why you should care. And as always, we have lots of great jokes, funny pics, and an amazing video.

Joke Du Jour

About 1966 or so, a NASA team doing work for the Apollo moon mission took the astronauts near Tuba City where the terrain of the Navajo Reservation looks very much like the Lunar surface.

Along with all the trucks and large vehicles, there were two large figures dressed in full Lunar spacesuits.

Nearby a Navajo sheep herder and his son were watching the strange creatures walk about, occasionally being tended by personnel. The two Navajo people were noticed and approached by the NASA personnel. Since the man did not know English, his son asked for him what the strange creatures were and the NASA people told them that they are just men that are getting ready to go to the moon. The man became very excited and asked if he could send a message to the moon with the astronauts.

The NASA personnel thought this was a great idea so they rustled up a tape recorder. After the man gave them his message, they asked his son to translate. His son would not.

Later, they tried a few more people on the reservation to translate and every person they asked would chuckle and then refuse to translate. Finally, with cash in hand, someone translated the message, "Watch out for these guys, they come to take your land."

It's Too Late Now, Buddy

Place Your Commercial Loans With C-Loans.com

C-Loans.com recently closed an $18.5 million commercial construction loan. The broker who used C-Loans earned a $92,500 commission.

C-Loans.com is a commercial mortgage portal where you can enter a commercial loan in just four minutes and then submit it to hundreds of different commercial lenders with one click. And C-Loans is free!

Multiple Wives Joke

A little boy was attending his first wedding. After the service, his cousin asked him, "How many women can a man marry?" "Sixteen!" replies the little boy. His cousin laughed and asked how he knew this. "Easy," the little boy said. "All you have to do is add it up! 4 better, 4 worse, 4 richer, 4 poorer!"

Submit Your Commercial Mortgage App Today

Blackburne & Sons continues to seek first mortgages between $100,000 to $3.5 million on standing commercial properties nationwide. Our hottest product right now is our blanket loan against a portfolio of rental homes. We will also hypothecate notes and buy commercial loans at a discount.

Please be sure to bookmark our commercial mortgage rate sheet right now. To apply for a private money commercial loan from Blackburne & Sons, please find your favorite loan officer below:

George Blackburne IV: 916-338-3232
To apply to George IV online, please click here
.

Tom Blackburne: 574-210-6686
To apply to Tom online, please click here.

Alicia Gandy: 916-338-3232
To apply to Alicia online, please click here.

S&M Joke

"Britain's longest-serving dominatrix is retiring at the age of 66. Apparently men no longer want to hire a dominatrix who forgets their safe word." -- Conan O'Brien

I Was Trapped in the Park Overnight

America's Industrial Might is Returning

A recent Washington Post article pointed out that it is now cheaper to produce some goods in the United States South than it is in China! Chinese and Indian companies are investing vast amounts in huge, new, manufacturing plants in the United States. “An index created by Boston Consulting shows how much the difference between manufacturing something in the United States and making the same thing in China has narrowed. In 2004, a good that could be made for a dollar in the United States could be manufactured in China for 86.5 cents. One decade later, that $1 dollar product… would cost $95.6 cents to make in China – not a whole lot of savings… All in all, the United States is one of the lowest-cost locations for manufacturing in the developed world, the Boston Consulting Group has said.”

“Chinese manufacturing wages have risen by 187 percent over a decade. Industrial electricity costs have grown 66%, while natural gas prices are up 138%. In the same time frame, U.S. wages have risen only 27%, while natural gas prices have fallen 25%.”

Why should you care? The next time you are trying to place an industrial building loan, be sure to point out out to your lender America's resurgence in manufacturing.

Do you need to place a commercial real estate loan of any size or type? You definitely should enter the deal into C-Loans.com. It's free! And remember, C-Loans has closed over 1,000 commercial real estate loans totaling over $1 billion.

Bird Flu Joke

"A mild form of bird flu has been detected in New Jersey. Health officials said the bird flu was hard to detect, because in New Jersey, every bird coughs." -- Conan O'Brien

Preferred Equity "Loans"

Do you really understand preferred equity? This free whitepaper will help you to truly understand it. It's written in easy-to-understand layman's language.

You'll use preferred equity in three common scenarios. (1) You have an investor buying a non-owner-user commercial-investment property. The bank refuses to make a first mortgage larger than 60% LTV. The buyer only wants to put down 25%. We'll cover the gap. (2) Your client has a balloon payment coming due, but he can't qualify for a new first mortgage large enough to pay off the old first mortgage. We'll cover the gap. (3) Your client wants to buy out an impossible partner. We'll provide the capital to buy him out.

Got a potential preferred equity deal? Call your favorite B&S loan officer:

Alicia Gandy: 916-338-3232
To apply to Alicia online, please click here.

George Blackburne IV: 916-338-3232
To apply to George IV online, please click here.

Tom Blackburne: 574-210-6686
To apply to Tom online, please click here.

Hey, I Resemble That Remark

Free Written Directory of 2,000 Commercial Lenders

Please notice I said TWO THOUSAND commercial lenders, not just 200. Imagine if you had scores and scores of commercial lenders for every deal. And did I mention it was free? To get your free list.

Weirdo Joke

Everyone is someone else's weirdo.

One-Point Commercial Bridge Loans

Please don't forget about Blackburne & Sons' one-point bridge loan product for commercial properties:

Interest Rate: 9.9% to 12.9%
Loan Fee: 1 point + $950 (nothing up-front)
Term: Six months
Prepayment Penalty: None
Maximum Loan-to-Value Ratio: 65% (70% on purchases)
Properties: Multifamily (5+ units), Commercial, and Industrial

Romantic Drive Joke

A 97-year-old man goes into his doctor's office and says,"Doc, I want my romantic drive lowered." "Sir", replied the doctor, "You're 97. Don't you think your romantic drive is all in your head?" "You're darned right it is!" replied the old man. "That's why I want it lowered!"

Business Loans Not Secured By Real Estate

I'm talking here about unsecured business loans, equipment loans, leases, inventory loans, factoring, accounts receivable financing, asset-backed lines of credit, etc.

The reason you want to get into the business of brokering business loans is because such loans close in 10 to 14 days, NOT three months.

C-Loans.com is now offering business financing. Please click here if you are trying to pace a business loan not secured by real estate.

Speed of Time Joke

The speed of time is one second per second.

We're Now Making Home Loans in California

For the past 34 years Blackburne & Sons has exclusively been a commercial lender. That has now changed. We are now aggressively seeking non-owner-occupied home loans in California.

Sorry, folks, we are ONLY licensed to make non-owner-occupied home loans in California. We cannot make home loans in any other state; but we will make individual commercial loans or blanket residential loans (5+ houses) nationwide.

Got a nationwide commercial deal or a California non-owner-occupied residential deal? Please call your California Loan Officer:

Tom Blackburne at 574-210-6686
NMLS # 1014118

George Blackburne IV at 916-338-3232
NMLS # 382122

Alicia Gandy at 916-338-3232
NMLS # 389678

Sleeping Nun Joke

Q: What do you call a sleepwalking nun?
A: A roamin' Catholic.

Nine-Hour Video Course on How to Broker Commercial Mortgage Loans

Important note: This nine-hour video course now also includes my $399 audio course on Intermediate Commercial Real Estate Finance - all for the same $549 cost. This 9-hour video course is my bread-and-butter course that teaches you how to market for commercial loans, how to underwrite them (the ratios), how to place them, and how to collect your fee. Thousands of very happy commercial mortgage brokers have taken this course. Details.

Shoplifting Joke

A 57-year-old woman was arrested for shoplifting. When she went before the judge he asked her, "What did you steal?" She replied, "A can of peaches, Your Honor." The judge asked her why she had stolen them, and she replied that she was hungry. The judge then asked her how many peaches were in the can. "Six," she replied. The judge then said, "Hmmmm. I am thinking about sentencing you to six days in jail." Before the judge could actually pronounce the punishment, the woman's husband spoke up and asked the judge if he could say something. The judge asked, "What is it?" The husband replied, "She also stole a can of peas."

Great Apartment Loan Program

You're probably used to thinking of Blackburne & Sons as a subprime commercial lender, but since our acquisition of CommercialMortgage.com (I paid more than a house), some of the nation's largest commercial mortgage investors are giving us wonderful opportunities. Please be sure to check out our great new apartment program.

To apply for an apartment loan from Blackburne & Sons, please find your favorite loan officer below:

Tom Blackburne: 574-210-6686
To apply to Tom online, please click here.

Alicia Gandy: 916-338-3232
To apply to Alicia online, please click here.

George Blackburne IV: 916-338-3232
To apply to George IV online, please click here.

Awesome Video

Have you heard about graphene?

This stuff is awesome.

Earn Big Referral Fees. We've Made It Really Easy.

Blackburne & Sons will pay you a referral fee of 20% of our loan fee, just for providing us with the name and the phone number of a prospective commercial mortgage borrower. We once paid a referral fee of $21,250 to a guy named Alan Dunn.

Just click here to refer us a commercial loan.

Final Funny (PG-13)

Morris, as a young man in the Old West, wanted to be the best gunfighter alive. One night as he was sitting in a saloon, he spotted an old man who had the reputation of being the greatest gunfighter in his day. So Morris walked up to the old man and told him his dream. The old man looked him up and down and said, "I have a suggestion that is sure to help." "Tell me, tell me," said the young man. "Tie the bottom of your holster lower onto your leg." "Will that make me a better gunfighter?" "Definitely," said the old man. Young Morris did what he was told and drew his gun and shot the bow tie off the piano player. "Wow, that really helped. Do you have any more suggestions?" "Yeah, if you cut a notch in the top of your holster where the hammer hits, the gun will come out smoother." "Will that make me a better gunfighter?" "It sure will," said the old man. The young guy did what he was told and drew his gun and shot a cufflink off the piano player. "This is really helping me. Is there anything else you can share with me?" "One more thing," said the old man. "Get that can of axle grease over there in the corner and rub it all over your gun." The young Morris didn't hesitate but started putting the grease on the gun. "No, the whole gun, handle and everything," said the old man. "Will that make me a better gunfighter?" "No," said the old man, "but, when Wyatt Earp gets done playing that piano, he's going to put that gun where the sun don't shine, and it won't hurt as much."

Buy Commercial Leads

You can buy commercial leads from C-Loans for just $1 to $9, plus 37.5 bps. when the deal closes.

Here's the most important reason why you want to buy leads from C-Loans. Once you close five loans for us, we will list you on our Suggested Lender List as a Proven Broker. If you ever achieve this distinction, the rest of your career will be a breeze. Three or four perfect commercial leads will appear in your email box daily until you retire.

Get a Free e-Book on CREF

I've assembled my best commercial real estate finance training articles into a wonderful e-book that is yours free.

 


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Learn to Broker $10MM Commercial Deals.

9-Hour Video Program Including Marketing, Underwriting, Packaging, Placement and Fee Collection. Just $499.

For details, click here or call Mick Carlson at 574-855-6292

Refer Loans to C-Loans By Hand and Earn Huge Referral Fees

Just input the email address of a borrower or broker and earn one-eighth of a point at closing! That's $1,250 for a $1 million loan. Click here.

Our Training Course Includes Over 60 Minutes on Fee Collection. No One Has Collected From More Lying, Deadbeat Borrowers Than George. You Can Order the Fee Agreement and Collection Training Separately for $199.

Call Mick at (574) 855-6292 or email him at mcarlson@blackburne.com

Got a Mortgage Web Site? Earn $5,000 Referral Fees in Your Sleep!

Just Click Here



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Just $2 to $3 Each
Plus 37.5 Bps on Closing.

Click Here for More Details



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Pick up lots of great commercial brokerage practice tips for free.

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C-Loans.com® is sponsored by C-Loans, Inc. — For more information, contact Mick Carlson
4811 Chippendale Drive, Suite 101, Sacramento, CA 95841 telephone: (574) 855-6292 * Fax: (916) 338-2328
Real Estate Broker -- California Bureau of Real Estate -- License Number 01330173

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