C-LOANS BANKER LETTER
This letter is intended only for commercial mortgage loan officers working for banks and hard money lenders. Today we'll show you how to download a free commercial loan marketing course. Or you can join C-Loans and get 200 SBA loan leads for free. And, of course, because this is C-Loans (the jokesters), we have lots of cute, clean jokes, some funny pics, and a hilarious prank video that almost killed me with laughter.
Joke Du Jour
I came across this exercise, suggested for seniors, to build muscle strength in the arms and shoulders. It seems so easy, so I thought I'd pass it on. The article suggested doing it three days a week. Begin by standing on a comfortable surface, where you have plenty of room at each side. With a 5-lb. potato sack in each hand, extend your arms straight out from your sides and hold them there as long as you can. Try to reach a full minute, then relax. Each day, you'll find that you can hold this position for just a bit longer. After a couple of weeks, move up to 10-lb. potato sacks. Then 50-lb. potato sacks, and then eventually try to get to where you can lift a 100-lb. potato sack in each hand and hold your arms straight for more than a full minute. Once you feel confident at that level, put a potato in each sack.
Back Off! It's Mine-Mine-Mine.
Ever Wonder What a C-Loans Application Looks Like?
Here's a sample commercial loan application.
Two friends are talking, and one says, “Man, I fell off a thirty-foot long ladder yesterday.” “Oh no, dude, are you alright?!” inquires the other one, shocked. “Yeah, I’m okay. I was only on the second rung at the time.”
Would You Please Refer Your Commercial Loan Turndowns to C-Loans.com?
If you have to turn down a commercial real estate loan this week, would you kindly refer the borrower (or broker) to C-Loans.com? If none of our 750 different commercial lenders can help him, the deal probably isn't do-able. Thanks so much!
An optimist sees light at the end of a tunnel and thinks it’s an exit. A pessimist sees light at the end of a tunnel and assumes it is an onrushing train. The train conductor sees two drunken fools staggering on the train tracks.
Free Commercial Mortgage Marketing Course
You've got a buddy who works as a commercial loan officer at a neighboring bank, right? We'll trade you the contents of one of his or her business cards for a free commercial mortgage marketing course. We sell this popular course separately on C-Loans.com for $199. Learn to turn on a flow of SBA and conventional commercial mortgage leads as easily as turning on a spigot.
Important note: This has nothing to do with joining C-Loans as a lender. For more information, please click here.
Red Baron, I Have Been Searching the Skies
Bankers: Get 200 Free SBA Loan Applications
Does your bank want to close more SBA loans? C-Loans.com will give you two hundred SBA loan leads for free, deals that are perfect for your bank. These loans will be the right size. They will be located only in your favorite counties of your favorite states, and these SBA loans leads will be secured by just the type of commercial real estate that you prefer - office buildings, industrial buildings, etc.
Please click here for more information about how to receive 200 free SBA loan applications. The above offer is made only to commercial banks and credit unions.
What if you don't work for a bank or credit union, but your commercial mortgage company services more than $20 million in commercial real estate loans? We have a fine program for you too. Please call Mick Carlson at (574) 855-6292 or click here for more details.
Third Child Joke
When your first child eats some earth, a bit of grass or a worm, you take him to the doctor. When your second child eats some earth, a bit of grass or a worm, you spit on a hankie and clean it. When your third child eats some earth, a bit of grass, or a worm, you wonder whether he or she still needs lunch.
Join C-Loans For a Flat Fee
Most banks that join C-Loans take advantage of our free guaranteed success program; but a bank can now join C-Loans, get listed on our Suggested Lender Lists, and receive tons of commercial mortgage loan applications for a small monthly fee:
For banks with less than $2 billion in assets, the cost is just $250 per month, and up to three loan officers can receive our SBA and commercial real estate loan leads.
For banks with more than $2 billion in assets and less than $7 billion in assets, the cost is just $350 per month, and up to four loan officers can receive our SBA and commercial real estate loan leads.
For banks with more than $7 billion in assets and less than $15 billion in assets, the cost is just $500 per month, and up to five loan officers can receive our SBA and commercial real estate loan leads.
For banks with more than $15 billion in assets, the cost is just $1,000 per month, and up to ten loan officers can receive our SBA and commercial real estate loan leads.
Important note: In all of these cases, the bank owes nothing more, even if it closes a loan.
To join C-Loans using our new flat-fee program, please email Mick Carlson, General Manager, or call him at 574-855-6292.
But, once again, most banks joining C-Loans, take advantage of our free guaranteed success program, where the bank only pays C-Loans, Inc. a software licensing fee of 0.375 points (just 25 bps. on deals over $5MM) if it closes a commercial loan from C-Loans. Most banks simply increase their normal loan origination fee from 1.0 point to 1.375 points to cover the cost of using our software and receiving our leads. This makes C-Loans effectively free to the bank.
To join using our guaranteed success program - effectively free to the bank - simply use this super-easy form to join C-Loans as a lender.
Q: What would you call a dinosaur with a surprisingly impressive vocabulary?
A: A thesaurus
Referring Your Turndowns to C-Loans.com Gives Your Customers a Good Place to Look
If you have to turn down a bank customer's request for a commercial loan, it will help him if you could suggest a place for him to look elsewhere. With 750 different commercial real estate lenders participating on C-Loans.com, if your customer can't qualify for a commercial mortgage from us, he probably won't qualify anywhere. Thank you so much!
Q: Where’s the best place to hide a body?
A: Page two of Google. No one ever looks there.
How To Close Investor Commercial Loans When Your Loan Committee Won't Exceed 62% LTV
Suppose one of your better bank customers wants to buy a commercial building, not for his company, but rather just for investment. The deal cash flows perfectly at 75% LTV, but your nervous Loan Committee cuts the deal back to just 62% LTV. "Gosh, I have been a good bank customer for decades. I thought my own bank would take better care of me."
The sister company of C-Loans, Blackburne & Sons, raises small balance JV equity for such deals, and we'll raise as little as $100,000. We'll add our equity to your customer's down payment to create a down payment large enough to satisfy your Loan Committee.
Got a potential deal? Please complete this simple preferred equity application or call Angela Vannucci at 916-338-3232.
Golf Caddy Joke
My five-year-old nephew wanted to caddy for my brother's golf game. "You have to count my strokes," my brother told him. "How much is six plus nine plus eight?" "Five," answered the nephew. "Okay," my brother said, "Let's go..."
Would You Mind a $21,250 Referral Fee?
We once paid a $21,250 referral fee to a website owner named Alan Dunn of Spydercube.com for referring us a $17 million deal. Not long ago we paid our friends at RealWebFunds.com an $11,000 referral fee.
We've made it super-easy to refer us commercial loans and to receive big referral fees. Please click here for details.
Video - Each Prank Gets Funnier
By the end I was laughing so hard that I was gasping for breath.
Doctor: You're obese.
Patient: Whoa, for that I definitely want a second opinion.
Doctor: Okay, you’re quite ugly too.
One Final Pathetic Plea
If you won't let us pay you a referral fee, won't you please-please refer your commercial mortgage turndowns to C-Loans.com? Thanks!
Final Funny - Long But But Informative
Young King Arthur was ambushed and imprisoned by the monarch of a neighboring kingdom. The monarch could have killed him but was moved by Arthur's youth and ideals. So, the monarch offered him his freedom, as long as he could answer a very difficult question. Arthur would have a year to figure out the answer and, if after a year, he still had no answer, he would be put to death. The question?...What do women really want?
Such a question would perplex even the most knowledgeable man, and to young Arthur, it seemed an impossible query. But, since it was better than death, he accepted the monarch's proposition to have an answer by year's end. He returned to his kingdom and began to poll everyone: the princess, the priests, the wise men and even the court jester. He spoke with everyone, but no one could give him a satisfactory answer.
Many people advised him to consult the old witch, for only she would have the answer. But the price would be high; as the witch was famous throughout the kingdom for the exorbitant prices she charged. The last day of the year arrived, and Arthur had no choice but to talk to the witch. She agreed to answer the question, but he would have to agree to her price first. The old witch wanted to marry Sir Lancelot, the most noble of the Knights of the Round Table and Arthur's closest friend!
Young Arthur was horrified. She was hunchbacked and hideous, had only one tooth, smelled like sewage, made obscene noises, etc. He had never encountered such a repugnant creature in all his life. He refused to force his friend to marry her and endure such a terrible burden; but Lancelot, upon learning of the proposal, spoke with Arthur. He said nothing was too big of a sacrifice compared to Arthur's life and the preservation of the Round Table.
Hence, a wedding was proclaimed and the witch answered Arthur's question thus: What a woman really wants, she answered....is to be in charge of her own life. Everyone in the kingdom instantly knew that the witch had uttered a great truth and that Arthur's life would be spared. And so it was, the neighboring monarch granted Arthur his freedom and Lancelot and the witch had a wonderful wedding.
The honeymoon hour approached, and Lancelot, steeling himself for a horrific experience, entered the bedroom; but, what a sight awaited him! The most beautiful woman he had ever seen lay before him on the bed. The astounded Lancelot asked what had happened. The beauty replied that since he had been so kind to her when she appeared as a witch, she would henceforth, be her horrible deformed self only half the time and the beautiful maiden the other half. Which would he prefer? Beautiful during the day... or night?
Lancelot pondered the predicament. During the day, a beautiful woman to show off to his friends, but at night, in the privacy of his castle, an old witch? Or, would he prefer having a hideous witch during the day, but by night, a beautiful woman for him to enjoy wondrous, intimate moments? What would YOU do?
Noble Lancelot, knowing the answer the witch gave Arthur to his question, said that he would allow her to make the choice herself. Upon hearing this, she announced that she would be beautiful all the time because he had respected her enough to let her be in charge of her own life.
Now, what is the moral to this story? The moral is, "If you don't let a woman have her own way, things are going to get ugly."