Mortgage Stuff C-Loans Client Letter
Volume 4, Issue 10

Newsletter Date:  September 28, 2004

MORTGAGE STUFF ( Client Letter)

Joke Du Jour

A tom cat and a tabby cat were courting on a back fence at night.  The tom leaned over to the tabby with pent up passion and purred ... "I'll die for you!"

The tabby gazed at him from under lowered eye lids and asked, "How many times?"

Get 85% LTV Conventional Financing on

Standard Commercial Properties

Suppose one of your commercial mortgage borrowers is buying a commercial property and wants to put down as little as possible.  Or maybe your borrower is buying out a partner and a loan of only 80% loan-to-value just won't work.  You can now deliver lenders who will stretch to 85% loan-to-value!

How can these lenders do this?  Your lender will make a CMBS loan of 80% LTV.  Then a mezzanine loan partner will make a mezzanine loan to take the debt stack up to 85% loan-to-value.  The permanent lender handles everything, so it's seamless to you.

These deals can only be done on CMBS quality properties where the loan amount exceeds $3,250,000.  CMBS lenders make long term, fixed rate loans that are securitized.  CMBS stands for Commercial Mortgage Backed Securities.

Only certain properties qualify for CMBS financing.  Acceptable properties include apartments, mixed use (apartments over retail), office buildings, retail properties, retail centers, and industrial buildings.  Mobile home parks and self storage projects are sometimes acceptable.

Once again the total loan request must total $3,250,000 and the loan-to-value ratio must be 85% LTV or less.  Only CMBS quality properties will qualify.  To apply for one of these high LTV loans, please click here.

Circle Flies Joke

After pulling a farmer over for speeding, a state trooper started to lecture him about his speed, pompously implying that the farmer didn't know any better and trying to make him feel as uncomfortable as possible.  He finally started writing out the ticket, but had to keep swatting at some flies buzzing around his head.

The farmer said, "Having some problems with circle flies there are ya?"

The trooper paused to take another swat and said, "Well, yes, if that's what they are.  I've never heard of circle flies."

The farmer was pleased to enlighten the cop. "Circle flies are common on farms.  They're called circle flies because you almost always find them circling the back end of a horse."

The trooper continues writing for a moment, then says, "Hey, are you trying to call me a horse's behind?"

"Oh no, officer." The farmer replies. "I have too much respect for law enforcement and police officers for that."

"That's a good thing," the officer says rudely, then goes back to writing the ticket.

After a long pause, the farmer added, "Hard to fool them flies, though."

Hard Money Loans Only 1.5 Points

Blackburne & Brown, the sister company of C-Loans, is making hard money commercial loans for only 1.5 points.  These are 15 year loans with no prepayment penalty.  We will fund almost kind of commercial property, including weird stuff like funeral homes, old folks homes, and nudie bars. 

Our loans have no prepayment penalty.  That's a biggie.   No prepayment penalty.  Got a deal?  Email Mike Thurman or call him at 916-338-3232.

Heart Transplant Joke

Dear Abby:  I think I need to see a specialist, but my doctor

insists he can handle my problem.  Can a general practitioner really perform a heart transplant right in his office?

 A.   Hard to say, but considering that all you're risking is the  $20 co-payment, there's no harm in giving him a shot at it.

Apply to 750 Commercial Lenders Using C-Loans

It takes just two minutes - two lousy minutes - to enter your commercial mortgage loan request into C-Loans.  The system instantly sorts through 750 direct commercial lenders to produce a huge list of interested lenders.  And C-Loans is free!  Submit a deal to C-Loans right now!

Final Funny

A guy walks into the local welfare office, marches straight up to the counter and  says, "Hi!  You know, I just HATE drawing welfare.   I'd really rather have a job."

The social worker behind the counter says, "Your timing is excellent.   We just got a job opening from a very wealthy old man who wants a chauffeur/bodyguard for his (promiscuous) daughter.  You'll have to drive around in his Mercedes, but he'll supply all of your clothes.  Because of the long hours, meals will be provided.   You'll be expected to escort her on her overseas holiday trips.

You'll have a  two-bedroom apartment above the garage.  The starting salary is $200,000 a year."

The guy says, "You're (joshing) me!"

The social worker says, "Yeah, well, you started it."


Featured Links

Mortgage Stuff C-Loans Client LetterApply for a Commercial Loan
Mortgage Stuff C-Loans Client LetterList of Lender Phone Numbers
Mortgage Stuff C-Loans Client LetterLearn Commercial Mortgage Finance
Mortgage Stuff C-Loans Client LetterFind Your Own Private Investors
Mortgage Stuff C-Loans Client LetterMarket for Commercial Loans
Mortgage Stuff C-Loans Client LetterFee Collection Course
Mortgage Stuff C-Loans Client LetterEarn Referral Fees in Your Sleep
Mortgage Stuff C-Loans Client LetterCombo Packages
Mortgage Stuff C-Loans Client LetterCool Mortgage Broker Stuff
Mortgage Stuff C-Loans Client LetterCool Lender Stuff
Mortgage Stuff C-Loans Client LetterCool Realtor Stuff
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Mortgage Stuff C-Loans Client LetterContact Us


George Will Fly Out to Your Office and Train Your Whole Company in Commercial Mortgage Finance for Just $4,500.

Write to George Blackburne at


Can't Afford $4,500?  Get the Same Training on Video For Just $499.   Use the Videos to Train Future Loan Officers.

Call Alicia at (916) 338-3232 or email her at


Both Training Courses Include 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 Alicia at (916) 338-3232 or email her at


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

Just Click Here

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E-mail or Call George Blackburne at 574-360-2486.

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E-mail or Call George Blackburne at 574-360-2486.

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E-mail or Call George Blackburne at 574-360-2486.


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® is sponsored by C-Loans, Inc. — For more information, contact Alicia Gandy
4811 Chippendale Drive, Suite 101, Sacramento, CA 95841 telephone: (916) 338-3232 * Fax: (916) 338-2328
Real Estate Broker -- California Department of Real Estate -- License Number 01330173

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