Volume 17 Issue 7

Newsletter Date: September 25, 2017

MORTGAGE STUFF (C-Loans Client Letter)

You are receiving this letter because you are a commercial mortgage broker client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today we'll talk about how commercial real estate loans from banks are all pretty much the same. And as always, we have lots of great jokes, funny pics, and a sweet video of a little fox cub's gratitude after a kind man frees him from a tin can.

Joke Du Jour

A man goes to see his Rabbi. "Rabbi, something terrible is happening, and I have to talk to you about it." The Rabbi asked, "What's wrong?" The man replied, "My wife is poisoning me." The Rabbi, very surprised by this, asks, "How can that be?" The man then pleads, "I'm telling you, I'm certain she's poisoning me. What should I do?" The Rabbi then offers, "Tell you what. Let me go over and talk to her. I'll see what I can find out, and I'll let you know." A week later the Rabbi calls the man and says, "Well, I went over to your house, and I spoke with your wife for three hours. You want my advice?" The man said, "Yes." The Rabbi replied, "Take the poison."

This is How Millennials View Having Children


Download Your Free Commercial Mortgage Marketing Course

We are giving away a free commercial mortgage maketing course, a course that we sell elsewhere on C-Loans.com for $199. Download it here.

Pregnancy Joke

A rural farmer got in his pickup and drove several miles to a neighboring farm and knocked on the farmhouse door. A young boy, about 12-years-old, opened the door. "Is yer pa home?" he asked. "No sir, he sure ain't," the boy replied. "He went to town." "Well," said the farmer. "Is yer ma home?" "No, she ain't here either. She went to town with pa." "Well, then, how about yer brother, Joe, is he here?" "No sir, he went with pa and ma."

The farmer stood there for a few minutes, shifting from one foot to the other, and mumbling to himself. "Is there anything I kin do fer ya'?" inquired the young boy politely. "I know where all the tools are, if you want to borry one; Or maybe I could take a message fer pa."

"Well," said the farmer uncomfortably, "I really wanted to talk to yer pa. It's about your brother, Joe, getting my daughter, Pearly Mae, pregnant." The boy considered for a moment. "You would have to talk to pa about that," he finally conceded. "I know that pa charges $500 for the bull and $250 for the boar hog, but I really don't know how much he gets for Joe."

We're Now Making Business Purpose Rental Home Loans in Four States

For the past 37 years, Blackburne & Sons has exclusively been a commercial lender. This has now changed. We are aggressively seeking non-owner occupied home loans in California and three other states.

  1. California
  2. Florida
  3. Arizona
  4. Washington

The property has to be non-owner occupied, and the purpose of the loan must be for business. The nice thing about business purpose home loans from Blackburne & Sons is that our loans have up to a 5-year term and no prepayment penalty.

Got a commercial deal nationwide or a business purpose, non-owner-occupied residential deal in one of the above four states? Please call your loan officer:

Alicia Gandy at 916-338-3232
NMLS # 389678

Tom Blackburne at 574-210-6686
NMLS # 1014118

George Blackburne IV at 916-338-3232
NMLS # 382122

Short Ones #1

Always yield to temptation, because it may not pass your way again.

Did you hear about the dizzy girl who got into a taxi, and the driver kept the "Vacant" sign up?

I know a guy who's addicted to brake fluid. He says he can stop any time.

Place Your Commercial Loans With C-Loans.com

C-Loans.com is a commercial mortgage portal where you can enter a commercial loan in just four minutes and then submit it to hundreds of different commercial lenders with one click. Please pay particular attention to the word, submit.

C-Loans.com is not just a list of lenders. You can actually submit your four-minute application to thirty or forty different lenders, until you find that one bank that is hungry to make a commercial loan right now! And C-Loans.com is free!

Cop Joke

A blonde and a brunette are out driving. The brunette tells the blonde to look out for cops - especially cops with their lights on. After they've been driving for a while, the brunette asks the blonde if she's seen any cops. "Yes," says the blonde. "Are their lights on?" The blonde has to think for a moment, then says, "Yes. No. Yes. No. Yes. No."

Submit Your Commercial Mortgage App Today

Blackburne & Sons, our private money commercial lending company, continues to seek slightly-flawed first mortgages between $100,000 to $3.5 million on standing commercial properties nationwide. We have tons of money right now, so we can do some of the larger loans that in the past were too large for us. We will now even consider land loans.

One unusual loan product that we offer is our blanket loan against a portfolio of rental homes. We will also hypothecate notes and buy commercial loans at a discount.

Please be sure to bookmark our commercial mortgage rate sheet right now. To apply for a private money commercial loan from Blackburne & Sons, please find your favorite loan officer below:

Tom Blackburne: 574-210-6686
To apply to Tom online, please click here.

Alicia Gandy: 916-338-3232
To apply to Alicia online, please click here.

George Blackburne IV: 916-338-3232
To apply to George IV online, please click here

Twins Joke

Do twins ever realize that one of them is unplanned?

The Calendar Doesn't Lie


CommercialMortgage.com is a Free Commercial Lender Search Engine

We have made a huge change. We have highlighted those commercial banks and credit unions who are the hungriest to make commercial loans today - CommercialMortgage.com.

Short Ones #2

I dropped out of communism class because of lousy Marx.

England has no kidney bank, but it does have a Liverpool.

I tried to catch some fog. I mist.

Today's Training Lesson: Commercial Real Estate Loans From Banks Are All Very Similar

I recently wrote a blog article about commercial banks in which I described them as herd animals. Instead of charging whatever the market will bear, they charge pretty much the same interest rate and offer almost identical terms on commercial real estate loans. Therefore if your client, who owns a commercial property in New York, asks you - a California mortgage broker - what the rates and terms will be, just quote him whatever a California bank would quote him. You will usually be spot on.

Guys, you really need to read this blog article about all commercial banks quoting pretty much the same deal on commercial real estate loans.

Then be SURE to subscribe to my free commercial real estate finance (CREF) training blog. I write these training articles (two per week) to train my staff and my two wonderful sons. You get to audit this training for free.

Child Name Joke

Q: What did the lawyer name his daughter?
A: Sue.

He Must Have Jumped a Foot. Ha-Ha!


Download and Print Out a Free Written Directory of 750 Commercial Lenders

Please notice I said 750 commercial lenders, not just 200. Imagine if you had scores and scores of commercial lenders for every deal. And did I mention it was free? To get your free list.

Samsung Joke

Q: What do you call security guards working outside Samsung shops?

A: Guardians of the Galaxy.

One-Point Commercial Bridge Loans

Please don't forget about Blackburne & Sons' one-point bridge loan product for commercial properties:

Interest Rate: 9.9% to 12.9%
Loan Fee: 1 point + $950 (nothing up-front)
Term: Six months
Prepayment Penalty: None
Maximum Loan-to-Value Ratio: 65% (70% on purchases)
Properties: Multifamily (5+ units), Commercial, and Industrial

Dragons Joke

Do not meddle in the affairs of dragons, 'cuz, like to them, you are crunchy and taste good with ketchup.

Business Loans Not Secured By Real Estate

I'm talking here about unsecured business loans, equipment loans, leases, inventory loans, factoring, accounts receivable financing, asset-backed lines of credit, etc. The reason you want to get into the business of brokering business loans is because such loans close in 10 to 14 days, NOT three months.

C-Loans.com is now offering business financing. Please click here if you are trying to pace a business loan not secured by real estate.

Tracks Joke

Two dizzy girls were walking through the woods, and they came to some tracks. The first blonde said, "These look like deer tracks." The other one said, "No, they look like moose tracks." They argued and argued until the train hit them.

Nine-Hour Video Course on How to Broker Commercial Mortgage Loans

Important note: This nine-hour video course now also includes my $399 audio course on Intermediate Commercial Real Estate Finance - all for the same $549 cost. This 9-hour video course is my bread-and-butter course that teaches you how to market for commercial loans, how to underwrite them (the ratios), how to place them, and how to collect your fee. Thousands of very happy commercial mortgage brokers have taken this course. Details.

Disraeli Joke (Famous English Prime Minister)

A member of Parliament to Disraeli, "Sir, you will either die on the gallows or of some unspeakable disease." "That depends, Sir," said Disraeli, "whether I embrace your policies or your mistress."

Great Apartment Loan Program

You're probably used to thinking of Blackburne & Sons as a subprime commercial lender, but since our acquisition of CommercialMortgage.com (I paid more than a house), some of the nation's largest commercial mortgage investors are giving us wonderful opportunities. Please be sure to check out our great new apartment program.

To apply for an apartment loan from Blackburne & Sons, please find your favorite loan officer below:

George Blackburne IV: 916-338-3232
To apply to George IV online, please click here.

Tom Blackburne: 574-210-6686
To apply to Tom online, please click here.

Alicia Gandy: 916-338-3232
To apply to Alicia online, please click here.

Video - Kind Man Frees Fox Cub From Tin Can

Be sure to see how the little cub reacts after being freed

Earn Big Referral Fees. We've Made It Really Easy.

Blackburne & Sons will pay you a referral fee of 20% of our loan fee, just for providing us with the name and the phone number of a prospective commercial mortgage borrower. We once paid a referral fee of $21,250 to a guy named Alan Dunn.

Just click here to refer us a commercial loan.

Final Funny (R)

A mother and her young son were flying Southwest Airlines from Kansas City to Chicago. The son turned from the window to his mother and asked, "If big dogs have baby dogs and big cats have baby cats, why don't big planes have baby planes?" The mother said, "Well, maybe that's something you could ask the stewardess."

So the boy asked the stewardess, "If big dogs have baby dogs and big cats have baby cats, why don't big planes have baby planes?" The stewardess responded, "Did your mother tell you to ask me?" The boy admitted that this was the case. "Well, then, tell your mother that there are no baby planes because Southwest always pulls out on time. You can ask your mother to explain it to you."

Buy Commercial Leads

You can buy commercial leads from C-Loans for just $1 to $9, plus 37.5 bps. when the deal closes.

Here's the most important reason why you want to buy leads from C-Loans. Once you close five loans for us, we will list you on our Suggested Lender List as a Proven Broker. If you ever achieve this distinction, the rest of your career will be a breeze. Three or four perfect commercial leads will appear in your email box daily until you retire.

Get a Free e-Book on CREF

I've assembled my best commercial real estate finance training articles into a wonderful e-book that is yours free.


Featured Links

Apply for a Commercial Loan
List of Lender Phone Numbers
Learn Commercial Mortgage Finance
Find Your Own Private Investors
Market for Commercial Loans
Fee Collection Course
Earn Referral Fees in Your Sleep
Combo Packages
Cool Mortgage Broker Stuff
Cool Lender Stuff
Cool Realtor Stuff
Subscribe to C-Loans Newsletter
Contact 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 Tom Blackburne at 574-210-6686

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 Tom at (574) 210-6686 or email him at tommy@blackburne.com

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

Sign Up for This Newsletter!

Click HERE

C-Loans.com® is sponsored by C-Loans, Inc. — For more information, contact Tom Blackburne
4811 Chippendale Drive, Suite 101, Sacramento, CA 95841 telephone: (574) 210-6686 * Fax: (916) 338-2328
Real Estate Broker -- California Bureau of Real Estate -- License Number 01330173

Return to C-Loans Home Page | Return to Blackburne.com Home Page

Copyright © 2017 C-Loans, Inc. All rights reserved.
Terms of Use
| Disclaimer | Awards & Affiliations | Privacy Policy
Site design by: NetPilot Web Solutions