Mortgage Stuff C-Loans Client Letter
Volume 8, Issue 2

Newsletter Date:  March 6, 2008

MORTGAGE STUFF ( Client Letter)

You are receiving this email because you are a client of either Blackburne & Brown or C-Loans, Inc. Removal instructions are below. Today we'll talk about how to run your mortgage company on a shoestring in this tough market.

Joke Du Jour

This teenager wrote: My mother was away all weekend at a business conference. During a break, she decided to call home collect. My six-year-old brother picked up the phone and heard a stranger's voice say, "We have a Marcia on the line. Will you accept the charges?" Frantic, he dropped the receiver and came charging outside screaming, "Dad! They've got Mom! And they want money!"

This Tough Market May Last for Years

Home prices probably need to fall another 25% to 35% before homes will easily clear the market. Clearing the market is a finance term that means that a buyer can quickly and easily be found.

The problem, of course, is that the average homeowner is mortgaged to the hilt. He can't sell his home unless his existing lender takes a short-pay. This is not a scenario where its easy to envision thousands of home buyers and sellers closing deals.

Bottom line: This crumby residential loan market will probably last for years. If your company is going to survive, you must lower your company's overhead quickly, significantly, and almost permanently.

War Vet Joke

This doctor wrote: When I worked as a medical intern in a hospital, one of my patients was an elderly man with a thick accent. It took a while before I understood that he had no health insurance. Since he was a World War II vet, I had him transported to a VA hospital, where he'd be eligible for benefits. The next day my patient was back, along with this note from the VA admitting nurse: "Right war, wrong side."

Move Your Office Into Your Home

Three recessions have kicked my financial teeth in over the past 30 years. My budget didn't start to recover each time until I moved my office back into my home.

Don't worry about your image! People understand that times are tough. They have been tightening their own belts as well.

Religion Joke

People of all faiths use our hospital, but this was a first. As I reviewed a patient's chart, I noticed that the admitting nurse had written next to religion: Seventh Day in Venice.

Be Sure to Read My Blog

My daily blog called Commercial Loan Tips is always packed with common sense ideas and suggestions that will help you survive this horrible recession. And it's free. Just click here.

Sherlock Holmes Joke

Q: What did Sherlock Holmes tell his sidekick upon discovering a tree producing sour fruit? A: A lemon tree, my dear Watson.

Clever Office Layout Strategy

I recently trained 30 loan agents at a mortgage brokerage office with about 100 full and part-time residential loan agents. The owner of this company did a clever thing that you should consider.

None of his agents had a permanent desk. They all shared about 15 desks, each of which had a phone and a networked computer. If a loan agent needs to work from the office that day, he just comes in and takes an empty desk.

The advantage of this system was that the broker only had to pay for 15 work stations for 100 loan agents.

Nursing Joke

This new mom wrote: As I was nursing my baby, my cousin's six-year-old daughter, Krissy, came into the room. Never having seen anyone nurse a baby before, she was intrigued and full of all kinds of questions about what I was doing. After mulling over my answers, she remarked, "My mom has some of those, but I don't think she knows how to use them."

Blackburne and Brown Has a New Web Site

Be sure to check out, the new web site for our hard money commercial mortgage company. You'll find a very useful commercial mortgage pricing matrix. Please be sure to print out a pricing matrix right now.

Baywatch Joke

Like a typical teenager, my 15-year-old son dreaded our family vacation at a seaside cottage in the middle of Boring Nowhere. But his eyes brightened when I said, "Did I tell you we'll be buying lobsters from Pamela Anderson? We'll even bike to her house to pick them up." Then his face grew dark as the horrible truth dawned: "There's more than one Pamela Anderson, isn't there?"

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 can 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 even add you to C-Loans as a proven commercial money source. Click here for more information.

Airline Dinner Joke

It is so rare to be offered a meal on airlines these days that I was surprised to hear the flight attendant ask the man sitting in front of me, "Would you like dinner?" "What are my choices?" he responded. "Yes or no," she said.

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.

Cycle Joke

"After things have gone from bad to worse, the cycle will repeat."

Become a Hard Money Lender

Blackburne and Brown just closed a loan for $2.6 million, and we will service the loan. For collecting one payment per month and forwarding it on to our investors, we'll earn $4,117/month for the next 15 years.

When you get tired of just 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.

Men and Women Joke

"A man's got to do what a man's got to do. A woman must do what he can't." -- Rhonda Hansome

How to Broker Commercial Mortgage Loans

This nine-hour video training course includes marketing, underwriting, packaging, placement and fee collection. Just $499. Call Alicia Gandy at 916-338-3232.

Twice as Well Joke

"Whatever women must do, they must do twice as well as men to be thought half as good. Luckily, this is not difficult." -- Charlotte Whitton

Get Both Videos - Commercial Mortgage Brokerage and Finding Private Investors

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

Surprised Joke

"Behind every successful man is a surprised woman." -- Maryon Pearson (Geesh, we men are getting beat up here!)

Apply to 750 Different Banks With One Click

The loan officers that appear at the top of our Suggested Lender List are the guys who have closed dozens of loans for C-Loans brokers. They're the hustlers, the guys with lots of pull with their Loan Committees.

So please come back to right now and submit a commercial loan.

Maternity Leave Joke

While on maternity leave, a woman from our office brought in her new bundle of joy. She also had her seven-year-old son with her. Everyone gathered around the baby, and the little boy asked, "Mommy, can I have some money to buy a soda?" "What do you say?" she asked. Respectfully, the boy replied, "Mommy, you are thin and beautiful." The woman reached in her purse and gave her son the money.

Consult With George Blackburne for $375 Per Hour

Your mortgage company may be off track. You're just not making any money. What are you doing wrong? A one-hour consultation with me may be just what you need. I take one consultation daily at 1:30 p.m. EST. To get on the schedule please call Alicia Gandy at 916-338-3232.

Golf Joke

Golf's a hard game to figure. One day you'll go out and slice it and shank it, hit into all the traps and miss every green. The next day you go out and for no reason at all you really stink.

Train Your Whole Company in Commercial

Suppose you have 10 loan agents. For just $6,000 I'll fly out and train your whole company in commercial mortgage finance. This intensive nine-hour course includes marketing, underwriting, packaging, placement and fee collection.

Interested? Please call Alicia Gandy at 916-338-3232 or email her at and suggest two possible training dates. I'll pick one. When I leave, you'll have ten loan agents who are capable of generating $30,000 per month in commercial loan fees.

Herding Joke

Whenever my family leaves the house, our Shetland sheepdog's animal instincts start to kick in. He runs circles around us and nips at our heels to keep us all together. Watching this display, my friend couldn't resist: "You always herd the ones you love."


Featured Links

Mortgage Stuff C-Loans Client LetterApply for a Commercial Loan
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Mortgage Stuff C-Loans Client LetterLearn Commercial Mortgage Finance
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Mortgage Stuff C-Loans Client LetterMarket for Commercial Loans
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Mortgage Stuff C-Loans Client LetterEarn Referral Fees in Your Sleep
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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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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
Read our many client Success Stories.

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