Mortgage Stuff C-Loans Client Letter
Volume 7, Issue 3

Newsletter Date:  August 24, 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 talk about value-added deals.

Joke Du Jour

I was meeting a friend in a bar, and as I went in I noticed two pretty girls looking at me. "Nine," I heard one whisper as I passed. Feeling rather pleased with myself, I swaggered over to my buddy and told him a girl had just rated me a nine out of ten. "I don't want to ruin it for you," he said, "but when I walked in, they were speaking German."

Important Commercial Lending Conference

My two sons will be joining me shortly in the business, and a very important lesson that I will keep pounding into into their heads is this: Commercial lenders make loans for their friends. This industry is very much a buddy-buddy thing. It's all about who you know. Therefore the smart commercial mortgage broker will attend every commercial lending conference possible in order to meet new lenders, to make new friends, and to cultivate old relationships.

A terrific commercial lending conference is coming in just a few days that you should attend. The conference is on September 12th in San Francisco. I, George Blackburne, will be speaking at the conference, so this is your opportunity to finally meet the guy who has been sending you all of those corny jokes over the years. Here are the conference details.

Nun Driving Joke

A cop pulls over a carload of nuns. Cop: "Sister, this is a 65 MPH highway -- why are you going so slow?" Sister: "Sir, I saw a lot of signs that said 22, not 65." Cop: "Oh sister, that's not the speed limit. That's the name of the highway you're on!” Sister: “Oh! Silly me! Thanks for letting me know. I'll be more careful.” At this point the cop looks in the backseat where the other nuns are shaking and trembling. Cop: “Excuse me, Sister, what's wrong with your friends back there? They're shaking something terrible.” Sister: “Oh, we just got off of Highway 119.”

Value-Added Commercial Loans

A value-added commercial loan is one where the borrower is improving the property or changing it's use. Examples of value-added loans are deals where the borrower is renovating the property or installing expensive new tenant improvements.

As a commercial mortgage broker, you can make the most money when the borrower needs you. Anybody can place a garden variety commercial permanent loan, even if the deal is sub-prime. But borrowers will have a lot trouble, especially if their credit or income isn't impressive, finding a lender for a value-added commercial deal.

Blackburne & Brown is hot to do all of your commercial renovation loans. Please call Tim Brannon at 916-338-3232 or email him at

Fun Stuff

My wife, Cisca, rescued the neighbor’s puppy, and he insisted on buying her this clock radio. This device is amazing. First of all, it has a remote sensor that you attach to the outside of your window. The sensor wirelessly beams the outside temperature to the clock radio, which prominently displays the time, the room temperature and the outside temperature. Next, this device has six buttons that create the most wonderful background noise to lull you to sleep. You can choose from a running river, a waterfall, crickets, or a rainforest, complete with tropical bird sounds. Last night Cisca and I fell asleep to waves crashing quietly on the beach. It sounded like we were sleeping in a vacation beachfront villa in Hawaii or Mexico. The coolest feature of all is that this incredible clock radio, using a laser beam, projects the time and temperature onto the 15 foot ceiling of our bedroom. To see the time in the middle of the night, you only have to open your eyes. This clock radio is way cool.

Need to Place a Commercial Loan?

In four minutes you can submit your commercial loan to over 750 different commercial mortgage lenders using - and its free!

Arguably the most wonderful feature about C-Loans is that the system identifies the most aggressive and successful commercial loan officers in the country. The guys closing all of the deals show up at the top of the Suggested Lender List. It's not enough to know that Bank of America or Wachovia is doing so and so. You need to know which loans officers are hungry for deals and are happy to hear from brokers like yourself.

Why not submit a commercial loan request right now?

Oldie But a Goodie

A woman accompanied her husband to the doctor's office. After his checkup, he doctor called the wife into his office alone. He said, "Your husband is suffering from a very severe disease, combined with horrible stress. If you don't do the following, your husband will surely die." "Each morning, fix him a healthy breakfast. Be pleasant, and make sure he is in a good mood. For lunch make him a nutritious meal he can take to work. And for dinner, prepare an especially nice meal for him." "Don't burden him with chores, as this could further his stress. Don't discuss your problems with him; it will only make his stress worse. Try to relax your husband in the evening by wearing lingerie and giving him plenty of backrubs." "Encourage him to watch some type of team sporting event on television. And most importantly, make love with your husband several times a week and satisfy his every whim. If you can do this for the next 10 months to a year, I think your husband will regain his health." On the way home, the husband asked his wife, "What did the doctor say?" "You're going to die," she replied.

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.

Driving Joke

Two elderly women were out driving in a large car. Both could barely see over the dashboard. As they were cruising along, they came to an intersection. The stoplight was red, but they just went on through. The woman in the passenger seat thought to herself,"I must be losing it. I could have sworn we just went through a red light." After a few more minutes they came to another intersection. The light was red again, and again they went right though. This time the woman in the passenger seat was almost sure that the light had been red, but she was really concerned that she was losing it. She was getting nervous and decided to pay very close attention at the next intersection to see what was going on. At the next intersection, sure enough, the light was definitely red, and they drove right through it. The passenger turned to the driver and said, "Mildred! Did you know we just ran through three red lights in a row! You could have killed us!" Mildred turned to her and said, "Oh, am I driving?"

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.

Spaghetti Joke

A wealthy man was having an affair with an Italian woman for several years. One night, during one of their rendezvous, she confided in him that she was pregnant. Not wanting to ruin his reputation or his marriage, he would pay her a large sum of money if she would go to Italy to secretly have the child. If she stayed in Italy to raise the child, he would also provide child support until the child turned 18. She agreed, but asked how he would know when the baby was born. To keep it discrete, he told her to simply mail him a post card, and write Spaghetti" on the back. He would then arrange for child support payments to begin. One day, about 9 months later, he came home to his confused wife. His wife said, "Honey, you received a very strange post card today." "Oh, just give it to me and I'll explain it," he said. The wife handed him the card and watched as her husband read the card, turned white and collapsed. On the card was written: "Spaghetti, Spaghetti, Spaghetti. Two with meatballs, one without! Request bread."

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.

God Drawing Joke

A lady watched her little boy drawing a picture. "Who are you drawing a picture of, Johnny"? asked the mom. "God," replied the little boy. "That's silly, no one knows what God looks like," replied the mother. "They will when I'm done," said Johnny.

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.

Campaigning Joke

The young suitor was determined to win the heart of the girl he wanted to marry, in spite of her rejection of his proposals a number of times. He began what can only be called "Campaigning" and sent her a small token of his affection every day for a month to her house. Soon, the young lady fell in love with the UPS man. .

Get Both Videos - Commercial Brokerage and Finding Private Investors

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

Frank Feldman Joke

A man walks into the street and manages to get a taxi just passing by. He gets into the taxi, and the cabbie says, 'Perfect timing. You're just like Frank.' Passenger: 'Who?' Cabbie: 'Frank Feldman. He's a guy who did everything right all the time. Like my coming along when you needed a cab, things happened like that to Frank Feldman every single time.' Passenger: 'There are always a few clouds over everybody.' Cabbie: 'Not Frank Feldman. He was a terrific athlete. He could have won the Grand-Slam at tennis. He could golf with the pros. He sang like an opera baritone and danced like a Broadway star and you should have heard him play the piano. He was an amazing guy.' Passenger: 'Sounds like he was something really special. Cabbie: 'There's more... He had a memory like a computer. Could remember everybody's birthday. He knew all about wine, which foods to order and which fork to eat them with. He could fix anything. Not like me. I change a fuse, and the whole street blacks out. But Frank Feldman, he could do everything right.' Passenger. 'Wow, some guy then.' Cabbie: 'He always knew the quickest way to go in traffic and avoid traffic jams. Not like me, I always seem to get stuck in them. But Frank, he never made a mistake, and he really knew how to treat a woman and make her feel good. He would never answer her back even if she was in the wrong; and his clothing was always immaculate, shoes highly polished too - he was the perfect man! He never made a mistake. No one could ever measure up to Frank Feldman.' Passenger: 'An amazing fellow. How did you meet him?' Cabbie: 'Well, I never actually met Frank. I just married his freaking widow.'

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
Mortgage Stuff C-Loans Client LetterPast Newsletters
Mortgage Stuff C-Loans Client LetterSubscribe to C-Loans Newsletter
Mortgage Stuff C-Loans Client LetterContact Us


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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