Mortgage Stuff C-Loans Client Letter
Volume 7, Issue 2

Newsletter Date:  February 14, 2007

MORTGAGE STUFF ( Client Letter)

You are receiving this email because you are a client of either Blackburne & Brown or C-Loans, Inc. Today we'll help you close some land development loans.

Joke Du Jour

Overheard on an American Airlines flight into Amarillo, Texas, on a particularly windy and bumpy day: During the final approach, the Captain was really having to fight it. After an extremely hard landing, the Flight Attendant said, "Ladies and gentlemen, welcome to Amarillo. Please remain in your seats with your seat belts fastened while the Captain taxis what's left of our airplane to the gate."

Blackburne & Brown is Hot for Land Loans

Not long ago Federal regulators sent a warning letter to all of the banks suggesting strongly that they cut back on their land development lending. As a result, we here at Blackburne & Brown are ready to make the land development loans that they are now passing up. If you have a land development loan request, please call Ryan Jessen at 574-936-6387.

Birthday Joke

A husband went to buy a birthday gift for his wife. Some friends had been invited over that night to celebrate her fortieth, and he wanted to get something special. At the store he spotted some cute little music boxes. One blue one was playing "Happy Birthday." Thinking they were all the same, he chose a red one and had it gift-wrapped. Later, at dinner, he gave it to his wife and asked her to open it. When she lifted the lid, out came the tune to, "The Old Gray Mare, She Ain't What She Used to Be!"

Gee, I Guess They Like C-Loans

C-Loans exhibited at the prestigious Mortgage Bankers Association Commercial Real Estate Finance Conference last week in San Diego. I'll bet two dozens of our lenders came by and shared with us how well was working for them. Remember, folks, is free, and you can use it to submit your commercial deal to over 750 different commercial lenders. Wow!

Aging Joke

As Mr. Aging was browsing through an old newspaper, he read aloud to his wife a news item about men losing their memory cells faster than women do. "It must be true," she said. "That's the second time you've read that article to me."

Acquisition and Development Loans

A land development loan is an advance of funds, secured by a mortgage, to finance the making, installing, or constructing of the improvements necessary to convert raw land into construction-ready building sites. In other words, a land development loan takes an unimproved parcel and breaks it up into a number of smaller, improved parcels upon which homes or commercial buildings will be constructed.

The kinds of improvements we’re talking about might be subdividing, leveling, grading, building roads and bringing sewer, water and power to the site. These kinds of improvements are also known as horizontal improvements. A land developer might say, “I need $1 million for the horizontal improvements." Continued on our wonderful blog ...

Coal Joke

"Johnny," said the teacher, "If coal is selling at $6 a ton and you pay your dealer $24, how many tons will he bring you?" "A little over three tons, ma'am," answered Johnny. "Why, Johnny, that isn't right," said the teacher. "No, ma'am, I know it isn't," said Johnny, "but they all do it."

Learn to Broker Commercial Loans

Sure, you've hacked a few commercial loans; but did you really feel competent? Did your sales voice project expertise, experience and confidence? How many sales have you lost because you tripped over the terminology? For a lousy $499 you can finally learn this profession. C-Loans sells a wonderful nine-hour video course entitled, "How to Broker Commercial Loans". Possibly as many as 3% of all of the commercial mortgage bankers and commercial mortgage loan officers in the country have taken this wildly popular course. Call Alicia Gandy at 916-338-3232.

50th Anniversity Joke

With a couple celebrating their 50th anniversary at the church's marriage marathon, the minister asked Brother Ralph to take a few minutes and share some insight into how he managed to live with the same woman all these years. The husband replied to the audience, "Well, I treated her with respect, spent money on her, but mostly I took her traveling on special occasions." The minister inquired, "Trips to where?" "For our 25th anniversary, I took her to Beijing, China." The minister then said, "What a terrific example you are to all husbands, Ralph. Please tell the audience what you're going to do for your wife on your 50th anniversary?" Brother Ralph: "I'm going back to get her."

Buy Borrower-Direct Commercial Leads for $1 - $9

Experienced commercial mortgage brokers can now buy commercial mortgage leads from C-Loans for a lousy $1 to $9 apiece, plus a closing fee of 37.5 basis points. You select the type of lead (permanent vs. bridge, etc.), the loan size, the property type, the state, the county and the credit. Once you've closed five loans for us, we'll add you to C-Loans as a proven commercial money source. Click here for more details.

Counselor Joke

Sandy began a job as an elementary school counselor and she was eager to help. One day during recess she noticed a girl standing by herself on one side of a playing field while the rest of the kids enjoyed a game of soccer at the other. Sandy approached and asked if she was all right. The girl said she was. A little while later, however, Sandy noticed the girl was in the same spot, still by herself. Approaching again, Sandy offered, "Would you like me to be your friend?" The girl hesitated, then said, "Okay," looking at the woman suspiciously. Feeling she was making progress, Sandy then asked, "Why are you standing here all alone?" "Because," the little girl said with great exasperation, "I'm the goalie!"

Earn $5,000 Referral Fees in Your Sleep

If you have a mortgage website, you can earn huge referral fees by merely putting a link to C-Loans on your site. We once paid Alan Dunn of Spydercube is referral fee of $21,250. Click here for details.

Russian Joke

"Russia has announced it's holding its annual beauty pageant for nuclear power plant workers. Apparently last year's winner had the most beautiful three eyes you've ever seen." -- Conan O'Brien

Become a Hard Money Lender

When you get tired of hacking loans, order our four-hour video course, "How to Find Your Own Private Mortgage Investors." Just $499. Call Alicia Gandy at 916-338-3232.

Cake Joke

You know you are having a bad day when your birthday cake collapses from the weight of the candles.

Get Both Videos - Commercial Brokerage and Finding Private Investors

You can buy both video programs for $799. Call Alicia Gandy at (916) 338-3232.

Liver and Cheese Joke

Three handsome male dogs are walking down the street when they see a beautiful, enticing, female Poodle. The three male dogs fall all over themselves in an effort to be the one to reach her first, but end up arriving in front of her at the same time.The males are speechless before her beauty, slobbering on themselves and hoping for just a glance from her in return. Aware of her charms and her obvious effect on the three suitors, she decides to be kind and tells them, "The first one who can use the words 'liver' and 'cheese' together in an imaginative, intelligent sentence can go out with me." The sturdy, muscular black Lab speaks up quickly and says, "I love liver and cheese." "Oh, how childish," said the Poodle. "That shows no imagination or intelligence whatsoever." She turns to the tall, shiny Golden Retriever and says "How well can you do?" "Um. I HATE liver and cheese ," blurts the Golden Retriever. "My, my," said the Poodle. "I guess it's hopeless. That's just as dumb as the Lab's sentence." She then turns to the last of the three dogs and says, "How about you, little guy?" The last of the three, tiny in stature but big in fame and finesse, is the Taco Bell Chihuahua . He gives her a smile, a sly wink, turns to the Golden Retriever and the Lab and says ... "Liver alone. Cheese mine!"

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Mortgage Stuff C-Loans Client LetterApply for a Commercial Loan
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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 Alicia Gandy at 916-338-3232


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 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

Residential Mortgage Broker Training

Choose From a Dozen Online Courses

Click Here for a List of Helpful Online Courses

Read the C-Loans Blog

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

Click here and bookmark it.

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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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