Mortgage Stuff C-Loans Client Letter
Volume 9, Issue 4

Newsletter Date:  July 21, 2009

MORTGAGE STUFF ( Client Letter)

You are receiving this letter because you are a commercial mortgage broker client of either Blackburne & Brown or C-Loans, Inc. Removal instructions are below. Today we'll discuss the improving state of the commercial mortgage market.

Joke Du Jour

My teenage niece, Elizabeth, was nervous as she took the wheel for her first driving lesson. As she was pulling out of the parking lot, the instructor said, "Turn left here. And don't forget to let the people behind you know what you're doing." Elizabeth turned to the students sitting in the back seat and announced, "I'm going left."

State of the Commercial Mortgage Industry

There is an old (and admittedly sick) saying among investment bankers: "Even a dead cat will bounce if its thrown off a high enough building." Could the commercial mortgage origination business be experiencing a little bit of a Dead Cat Bounce?

Maybe. Banks on closed a decent number of deals last month. We were actually able to take our monthly profit (gasp!) and pay down our credit lines a little bit. Compared to the pre-crash years, our commercial loan originations were still pretty pathetic; but compared to last winter, we're cookin' with gas.

CMBS lending is still non-existent. Commercial loans these days come from just two sources - banks and hard money lenders. You'll find hundreds of them on

Pool Balls Joke

A man goes to the doctor complaining about stomach problems. The doctor asks him what he's been eating. "I only eat pool balls," he says. "Red ones for breakfast, yellow and orange ones for lunch, blue for afternoon snacks, and purple and black for dinner." "I see the problem," says the doctor. "You're not getting enough greens."

Still Making Commercial Hard Money Loans

Between 200 and 2007 most hard money lenders had far too much money and not nearly enough good hard money loans. Nevertheless Blackburne & Brown kept advertising for private mortgage investors until our investor lists were huge.

As a result, we still have plenty of money for good commercial loans. Got a good commercial loan right now? Please call Mike Thurman at 916-338-3232 or click here to submit a mini-app.

Hippy Joke

How unfortunate for Weight Watchers. The sign for its branch in a Roanoke, Virginia, mall sits above the sign for a tie-dye shop. The name of that store? A Little Bit Hippy.


Although I now live in Indiana, I lived most of my life in California. When you live in the suburbs, you don't see a lot of wildlife. Then Cisca and I moved to the cornfields of Indiana to send our two sons to my high school alma mater, Culver Military Academy.

The Northern Indiana area teems with wildlife - deer, hedgehogs, opossums, raccoons, muskrats and coyotes (who have been known to take little lap dogs right out of their owner's backyards).

This week, however, I saw the coolest thing - a gorgeous, young, red fox, who has made our local country club her home. We have a goose problem on the course. The geese poop all over our greens, so everyone is trying to make this pretty young fox pup feel welcome.

She trots regularly across the course, like a local puppy, almost unafraid of people. She looks awfully scrawny (her mom and two other pups were killed), so the pretty young orphan is starving. Cisca and I brought over a bowl of puppy chow and left it in one of her favorite haunts. I hope she survives. Her red fur is sooo pretty.

Got an "A" Quality Commercial Loan?

There are over 8,000 banks in America, and a few of them are still actively making commercial loans. Often they are the smaller, obscure banks who were not hurt in the subprime meltdown. You can submit your commercial loan to hundreds of such banks using And C-Loans is free!

Possum Joke

Our hometown baseball team is called the Possums. They get killed on the road.

Are You Following My Commercial Training Blog?

If you want to improve your skills as a commercial mortgage broker, be sure to follow my free Commercial Real Estate Loan Tips blog. I wrote the 100+ articles in this blog to train my own sons in commercial mortgage finance. I just posted a good article about valuing apartment buildings.

Bear Joke

Vacationing in Alaska, I couldn't help but notice all the warnings about bears posted in campgrounds, visitors' centers and rest areas advising people not to feed the bears, how to avoid bears, what to do if a bear sees you, what to do if a bear attacks, and so on. My favorite, however, was a hand-lettered sign on the door of a small gas station in a remote area. It said, " Warning! If you are being chased by a bear, don't come in here!"

Reuse Our Video Training Course Over and Over

If you order our famous 9-hour video course, How to Broker Commercial Mortgage Loans, you can use this training course again and again to train new loan agents in your office. The cost is still only $499.

Alarm Joke

This gal wrote: Any time the alarm goes off after-hours at the municipal office where I work, the security company calls me at home and I have to go back and reset it. Late at night I got one of those calls. As I was getting ready to head out the door, my husband groggily said, "You're not going down there by yourself at this hour." Just as I was thinking, How thoughtful of him, he added, "Better take the dog with you."

You Need Loan Servicing Income

The fastest and easiest way to build a loan servicing portfolio is to become a hard money lender. Our four-hour video course, How to Find Your Own Private Mortgage Investors, is just $499.

License Plate Joke

This teenage girl wrote : I had ordered vanity plates to go with my very first car and proudly did the installation myself. When I finished, my father came outside and asked, "Why'd you put only one on?" "Because that's all the state sent me," I replied. "Is that right?" Dad said with a grin. Kneeling down, he quickly undid the screws and slid a fingernail along the edge of the plate, separating it from the one underneath. The name on my personal plate? "DITZ E 2."

Train Your Entire Staff in Commercial in One Day

You are paying a fortune to keep your doors open.  You can't afford to throw away good commercial leads.  For only $6,000 I will fly out to your office and train your entire staff in commercial mortgage marketing, underwriting, packaging, placement, and fee collection. Suddenly your income potential doubles with no increase in monthly overhead.  I have already trained more than 50 companies. For details please call Alicia Gandy at 916-338-3232..

Pink Slip Joke

Sadly, no one is safe from receiving the dreaded pink slip. Recently, a job application came across my desk at the federal personnel office in Washington, D.C. It was written on a standard form, which includes the question "Why did you leave your previous employment?" The applicant, a former U.S. Congressman, responded, "The express wish of 116,000 voters."

Buy Commercial Leads for Just $2 to $3 Each

Most lead sellers want $20 to $50 apiece for commercial leads. C-Loans sells them for just $2 to $3 each - plus 37.5 basis points if you close the loan. Click here for more details.

Baby Weight Joke

Our catering manager lacks certain social skills -- like knowing when to keep her mouth shut. While discussing a baby christening party with a young couple, she told the mother, "You look like you've lost most of your pregnancy weight." "Thanks," came the clenched-teeth reply. "We adopted."

Consult with George for Just $375/Hour

With just a 30 to 60 minute consultation I may be able to help you with your commercial mortgage marketing, your underwriting, your placement of a particular commercial deal, or your fee collection problems. Click here for details.

Compulsive Talker Joke

Did you hear about the self-help group for compulsive talkers? It's called On & On Anon.

New E-Mail Newsletter Service From C-Loans

By sending a regular email newsletter to several hundred referral sources every month, you can build a steady supply of leads. You'll build a true practice, like an attorney or a CPA. We maintain your list. We blast it out. We even write the newsletter for you. Click here for details.

Recreational Drugs Joke

This nurse wrote: Each new patient at the clinic where I work must fill out a questionnaire asking basic health and personal-history questions. One query that inevitably gets a "No" answer is, "Do you now use or have you ever used recreational drugs?" We were unprepared for the response of a young newlywed who wrote: "Yes—birth-control pills."


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


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

Click Here for More Details

Read the C-Loans Blog

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

Click here and bookmark it.

Service Your Own Loans
4-Hour Video Course, How to Find Your Own Private Mortgage Investors - Just $499

Click here for details


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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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