TUESDAY, MARCH 10, 2015 | A1 THE MLS BROKER CARAVAN™ We’ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25! Beth L. Peerce Co-Owner Kilita Smith Sr. Escrow Officer Mireya Roudenko Sr. Escrow Officer Luz Lopez Escrow Officer Michael Farfel Escrow Officer Mary Bension Co-Owner & Escrow Manager 9454 Wilshire Boulevard Suite 901 Beverly Hills, California 90212 (310) 273-7106 The Independent Escrow Company with the Best Service in Town
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TUESDAY, MARCH 10, 2015 | A1THE MLS BROKER CARAVAN™
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We’ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!
Beth L. PeerceCo-Owner
Kilita SmithSr. Escrow Officer
Mireya RoudenkoSr. Escrow Officer
Luz LopezEscrow Officer
Michael FarfelEscrow Officer
Mary BensionCo-Owner & Escrow Manager
9454 Wilshire Boulevard Suite 901Beverly Hills, California 90212
(310) 273-7106
The Independent Escrow Company with the Best Service in Town
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THE MLS BROKER CARAVAN™A4 | TUESDAY, MARCH 10, 2015
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Lender
Cohen Financial Group
Cohen Financial Group
Cohen Financial Group
Cohen Financial Group
Big Bank
StatusLoan Type
Purchase
Purchase
On Time
On Time
On Time
On Time
Delayed
Online Lender Canceled
PurchaseCredit Union Canceled
Refinance
Refinance
Jumbo Purchase
Cash-out Refi
Mark Cohen, BrokerBRE#: 1016103NMLS#: 37230
Seth Cohen, BrokerBRE#: 01935101 NMLS#: 982573
#1*
TOP ORIGINATOR NATIONWIDE
At Cohen Financial Group, we transform needs
into ACTION and develop real-life solutions for
all types of transactions. Whether your client is a
No matter your destination,Cohen gets you there – fast.
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Actual closing times may vary based on individual borrower quali� cations and loan terms. Certain guidelines apply. Some products offered by Cohen Financial Group may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. LTVs based on appraised value. Rates, programs and APRs subject to change at anytime without prior notice. See broker for complete details. Not all applicants will qualify. *By dollar volume according to Mortgage Executive Magazine, “Top 200 Originators in America 2013, Origination News” and Scotsman Guide, “Top Originators,” 2013. **Mortgage Originator, 1996-2009. Cohen Financial Group is a division of CS Financial, Inc., a real estate broker licensed by the CA Bureau of Real Estate, lic# 01257559, NMLS# 31132.
$611,690,019Total Loan Volume (2013)
648Loans Closed (2013)
28 DaysAverage Closing Time
29 YearsIn the Industry
Australian Citizen, No US Income
$780K sales price, 20% down – West LA No US tax returns, no paystubs. Used an employment contract from Australia in order to derive an income. Client had some US credit.
No TaxReturns
$1.1M sales price, 20% down payment – West Hollywood12 months bank statements used to qualify,no tax returns needed.
1 Year Tax Returns
$1.35M sales price, 20% down payment – Hollywood Hills1 year tax returns, YTD P&L used to qualify.
Short Sale $600K purchase price, 20% down payment, condo – Long BeachClient had a short sale within the last 12 months.
Condo: Only 43% owner occupied
$1.05M 20% down, condo – Santa Monica Only 43% owner occupied. Condo project approved based on the financial strength of the borrower.
High LTV Jumbo $1.9M Sales price, 15% down – West LA85% LTV; 80% 1st and 5% HELOC
Gift Funds/Co-signers
$2.5M purchase price, 20% down – West LAEntire down payment came from gift funds. Clients are young doctors and needed a co-borrower.
Super Jumbo High LTV
$15M sales price, 30% down – Los AngelesHigh loan to value, turned down by multiple major banks.
Income Structure Change
$1M sales price, 20% down – Miracle MileClient went from being a salary employee to commission wage earner. Demonstrated historically strong income for the client.
Game-changing deals. Done.
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STAGING AND INTERIORS•RESIDENTIAL•COMMERCIAL•LUXURY FURNITURE LEASESWEST AND EAST COAST • 310 204 5353 • www.meridithbaer.com
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Nancie Richards has been a successful real estate agent in Southern California for over 16 years. With her extensive background in renovation and sales, Nancie has closed over $200 Million in transactions through both the top and bottom of the real estate cycle.
Robyn Ordon originally owned her own staging and decorating firm and is an expert in architecture and design. Her valued experience including renovating, flipping, staging and re-design of interiors and exteriors for both herself and her clients, was a perfect fit for partnering with Nancie.
Nancie and Robyn are excited to be joining the Los Angeles Elliman office as a team that brings sales, design and renovation experience to all of their transactions. Welcome Nancie and Robyn!
DOUGLAS ELLIMAN IS PROUD TO WELCOME
NANCIE RICHARDSand ROBYN ORDON
ELLIMAN.COM
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THE MLS BROKER CARAVAN™A10 | TUESDAY, MARCH 10, 2015
Open an escrow online at www.escrowofthewest.comand be treated as you deserve, like royalty.
Get ready to be treated like Royalty
®
Now Servicing California, Arizona, and Nevada
Our Royal Treatment Consists Of:
Toll Free: (866) 444-5560
TUESDAY, MARCH 10, 2015 | A11THE MLS BROKER CARAVAN™
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OUR JUMBO LENDING EXPERTS WILL HELP YOU CLOSE MORE DEALS, PERIOD.
Contact us to see what sets us apart.
����� Wilshire Blvd, Ste ��� • Los Angeles, CA ����� NMLS (Nationwide Mortgage Licensing System) ID ���� • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #�������
~ Josh Altman, Douglas Elliman Beverly Hills
“When the time comes to secure fi nancing to close the deal, I turn to Francesco Foggia. Francesco’s commitment to customer service has exceeded expectations each and every transaction.”
HERE’S WHAT AGENTS ARE SAYING ABOUT US...“If you are buying a house, there is no other mortgage banker to
use than Steven Maizes. All my buyers uniformly love working with him and his team.”
~ Ben Lee, Coldwell Banker Beverly Hills
“Sam Batayneh’s attention to detail and customer service are why his customers keep coming back to him. You can trust Sam with your most demanding clients.”
~ Gene Bush, Coldwell Banker West Hollywood
~ Patricia Norwine, Dolce & Associates Culver City
“Bill Rayman always invests the time and eff ort to get pre-approvals done in a timely manner. I’ve always seen him put the buyer’s needs above everything else.”
GUARANTEED RATE THE NAME YOU NEED TO KNOW IN LOS ANGELESGuaranteed Rate is one of the top �� retail mortgage lenders in the U.S.
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Francesco Foggia has become an integral part of our success as our trusted lender at Hilton & Hyland Real Estate. We work with high-level business managers, attorneys and CPAs who represent our clients, and Francesco has impressed them with his product knowledge and constant availability. Additionally, his ability to understand the ins and outs of financing requirements and even international mortgage needs have far exceeded both our agents’ and our clients’ expectations. He has represented our firm exceedingly well and has proven himself as an expert in his field.
Francesco has not only structured deals that other lenders have not been able to complete, but he has also continued to help educate our agents on the ever-changing home financing process which is invaluable. We appreciate the opportunity to work with Francesco and highly recommend him!
– Jennifer Berman Holt
Francesco Foggia
Francesco exceedsexpectations at Hilton & Hyland
Vice President of Mortgage Lending
“
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Guaranteed Rate NMLS ID:2611 CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act #413-0699 • Francesco Foggia NMLS ID:278442 CA - CA-DBO278442 - 413 0699 12121 Wilshire Blvd, Ste 350, Los Angeles, CA 90025