7 october Easy Process
Please consider your ADVERTISERS on pages 1 2 7 8 9 10 15 16 FIRST TIME TOURS indicated by OTD (Original Tour Date) TOUR SHEET DEADLINE is Monday at 11 a.m. 7 october 2014 The Tour Sheet is available ONLY to REALTORS® who are MLS Subscribers. Get Your Clients Fully Pre-Approved! Easy Process Great Rates Fast Closings Phone: (650) 866-3000 www.bankerspreferred.com 1860 El Camino Real, Suite 106 Burlingame, CA 94010 APMC NMLS #1850 A variety of home financing solutions to meet your needs Toni Burrows Senior Account Executive Cellular: 1-650-787-4876 E-mail: [email protected] Fax: 1-800-344-4726 Shaveta Sareen Sr. Mortgage Loan Officer, VP NMLS ID: 483455 650-645-8807 Office [email protected] Orders/Service: 1-800-831-8200 The Real Choice in NHD Risk Management www.hiscohw.com • www.thedisclosurereport.com SM Bank of America, N.A. and the other business/organization mentioned in this advertisement are not affiliated; each company is independently responsible for the products and services it offers. Bank of America, N.A., Member FDIC. Equal Housing Lender. ©2009 Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. ARHSCYE3 HL-113-AD 00-62-1616D 10-2013 PROPERTY MANAGEMENT SERVICES • Referral Fees Paid • 850 Woodside Way, San Mateo • (650) 696-8200 • www.samcar.org/Advertising • AD RESERVATIONS [email protected] The home mortgage partner you can trust. Home Equity Conversion Mortgage For Home Purchase Available NOW! MARK LINTON, Mortgage Loan Originator Security 1 Lending is offering seniors the ability to purchase their principal residence through the HECM for Purchase Program. 650.776.2856 [email protected] NMLS #: 693925 usbank.com/mortgage EQUAL HOUSING Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage and Deposit products are offered by U.S. Bank National Association, U.S. Bank Member FDIC. ©2014 • They must be at least 62 years of age • They retain the title to their home • No monthly mortgage payment required • FHA insured loan Call today for information! Kathy Affeltranger HECM for Purchase Specialist Reverse Mortgage Consultant NMLS #545774 [email protected] | ReversebyKathy.com Office: 650-299-9477 Reverse Mortgage Solutions, Inc. dba Security 1 Lending, 2727 Spring Creek Drive, Spring, TX 77373. NMLS #107636. Loans will be made or arranged pursuant to CA Department of Business Oversight Residential Mortgage Lending Act License #4131074. Homeowner remains responsible for paying property taxes, required insurance and home maintenance. Connecting you to local home loan expertise Kathy Affeltranger Ad 3.5" X 4.25"BW092014.indd 1 SM Stephanie Davidson Mortgage Loan Officer NMLS ID 248346 1840 Gateway Drive Suite 175 San Mateo California 94404 T 650-425-6749 C 650-333-0231 F 855-502-0923 [email protected] pncmortgage.com/stephaniedavidson Raffi Soghomonian Sr. Mortgage Loan Officer, VP NMLS ID: 483480 650-591-8830 Mobile [email protected] Bank of America, N.A. and the other business/organization mentioned in this advertisement are not affiliated; each company is independently responsible for the products and services it offers. Bank of America, N.A., Member FDIC. Equal Housing Lender. ©2009 Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. ARHSCYE3 HL-113-AD 00-62-1616D 10-2013 We Can Make Your Dreams Come True! A home loan isn’t just about rates and ratios... Contact me today to learn how I can help you with your home financing needs. Scott Daniels Mortgage Advisor DBO 887893 l NMLS 887893 [email protected] 650.678.4246 Help when you make the most important financial decisions of your life. opesadvisors.com Opes Advisors is licensed by the CA Department of Business Oversight 4150089, CA Bureau of Real Estate 01458652, Oregon ML-4902, Washington CL-1178435 and NMLS 235584. Equal Opportunity Lender. Opes Advisors is a registered investment advisor with the Securities and Exchange Commission (SEC). ©2014 Opes Advisors, Inc. All rights reserved. 10/1/14 2:06 PM e Contact m ! h t ow to find ou firstbanks.com Mortgage_BizCardAd.indd 1 YOUR AD HERE! RATES www.samcar.org/advertising RESERVATIONS [email protected] Ted Oberson, Mortgage Home Loan Consultant p: (408) 910-4833 [email protected] NMLS ID: 575719 11/27/13 11:07 AM PROVIDING FLEXIBILITY to EXPAND your HOME FINANCING OPTIONS lender paid mortgage insurance: the invisible mortgage insurance option Lender Paid Mortgage Insurance (LPMI) enables borrowers to purchase a home without contributing 20% of the home value as a down payment. In addition to facilitating a home purchase, LPMI is invisible to the borrower, as there is no monthly mortgage insurance payment. LPMI is funded via a slight increase in interest rate and can result in the following benefits: • The ability to qualify for a greater loan amount • A lower total monthly mortgage payment • Less funds required for closing costs W.J Bradley offers LPMI on a wide variety of loan options, including: • • • • Conforming and jumbo loan amounts Primary residences and second homes Credit scores as low as 620 for conforming loans Credit scores as low as 680 for jumbo loans contact me today to discuss how w.j. bradley’s lpmi program can benefit your clients. Michael Haigh Manager, Retail Sales Branch nmls 200819 direct 415.269.4461 | cell 415.269.4461 [email protected] 1860 el camino real ste 306, burlingame, ca 94010 © 2014 W.J. Bradley Mortgage Capital, LLC. 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act RML No. 4131002 and under the California Finance Lenders Law CFLL No. 603 K495. No Cost Home Loans Available With Ascend Mortgage Your Community Brokerage Become an Ascend Mortgage Preferred Realtor 1 Give your buyers Ascend Reward Credits* Towards their Closing Costs 2 3 Close on time with the Ascend Mortgage Closing Guarantee** Utilize our marketing materials to help you sell We Make the Loan Process Easy and Quick! Contact a Mortgage Consultant for details: 1-877-212-4010 [email protected] Visit Us Online at: www.AscendMortgage.com *Ascend Reward Credits are available on all purchase transactions closed with Ascend Mortgage. Minimum loan amount is $250,000. For every dollar borrowed, Ascend Mortgage will credit ½ a percent towards your buyers closing costs. Speak with a Mortgage Consultant for details. **Ascend Mortgage if at fault for delaying your buyers loan to close will pay the principal, interest, taxes, and insurance per diem for the delay in closing your buyers loan. Speak with a Mortgage Consultant for details. As c en d Mortg a g e | 3 0 W 3 9 th Ave S ui te 1 0 4 | S a n M ateo , CA 9 4 4 0 3 Licensed by the Bureau of Real Es tate LIC# 01491399 N MLS# 238056 Ready to Buy? Take the Stearns PremierPath™ to a faster loan pre-approval ® You want to get to the closing table as soon as possible. Financing your home with Stearns® PremierPathTM is a great way to get there. Mark Harrison Stu Ford Sales Manager NMLS# 447696 Direct: 650.759.5936 [email protected] Mortgage Loan Originator NMLS# 873575 Direct: 214.789.5008 [email protected] Stearns® PremierPathTM offers you a fast pre-approval in two business days or less! If we miss our deadline, you’ll receive a $500 credit at closing*. Kamna Mittal Lilia Ledezma Present us with a completed loan application and all supporting documents†, and you’ll learn if you qualify in just two business days. Mortgage Loan Originator NMLS# 926641 Direct: 650.515.9961 [email protected] Han Kim Mortgage Loan Originator NMLS# 316017 Direct: 650.307.6675 [email protected] Mortgage Loan Originator NMLS# 1199105 Direct: 650.771.1237 [email protected] 1900 S. Norfolk St. Suite 350 San Mateo, CA 94403 Branch NMLS# 1190351 www.stearnshomeloans.com/sanmateo *In order to qualify for the $500 credit that is applied towards the borrower's closing costs, the following terms and conditions must be satisfied: (i) borrower provides all necessary pre-approval loan documentation as requested by Stearns, receipt of which is confirmed in writing by Stearns; (ii) Stearns fails to provide a conditional pre-approval letter to the borrower within two business days of confirming receipt of all documentation; (iii) borrower ultimately qualifies and closes the home loan through Stearns, after clearing any additional documentation requirements and property-type conditions. † Supporting documents includes 1 month of pay stubs, W2 forms for the last two years, and other documentation that substantiates borrowers’ income and debt obligations derived from assets, self-employment and any other documentation that Stearns requires. This is not a commitment to lend. Program restrictions apply. Stearns Lending, LLC offers many loan products. Stearns Lending, LLC is a California Limited Liability Company headquartered at 4 Hutton Centre Drive, 10th Floor, Santa Ana, California 92707. (800) 350-LEND (5363) Company NMLS# 1854. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act RMLA# 4130495; This information is accurate as of August 26, 2014. © 2014 Stearns Lending, LLC All Rights Reserved. SHL448. We are HISCO, the home warranty experts. For more than 35 years, we’ve provided homeowners and real estate professionals with comprehensive coverage and a common sense service approach. Our Promise: Never pay a service fee unless we actually make a repair To learn more about us or to try our simple ordering system, visit hiscohw.com. Toni Burrows Senior Account Executive [email protected] 650-787-4876 800-831-8200 | hiscohw.com We want to help make your clients’ homeownership dreams a reality. Citibank offers you: n World-class fulfillment services. Our on-time closing guarantee* proves our commitment to quality service. n Access to both conventional and unique portfolio mortgage products. n The opportunity to create a customer-centric relationship. Our model is customizable to fit your needs and will be the cornerstone of our relationship. n An advantage to you in your market with Citibank’s strong global brand. n An experienced team to work exclusively on home purchase transactions. To learn more about working with Citibank, please contact: Phillip Braga Home Lending Officer 650.619.1885 [email protected] NMLS# 483450 Kathy Liu Home Lending Officer 415.200.6677 [email protected] NMLS# 410091 Randall Tom Home Lending Officer 650.743.7789 [email protected] NMLS# 633699 Joanna Burns Home Lending Officer 650.454.9030 [email protected] NMLS# 726272 Nirmalya Modak Home Lending Officer 408.829.0041 [email protected] NMLS# 633685 Vera Tom Home Lending Officer 650.743.8887 [email protected] NMLS# 633642 Terms, conditions and fees of accounts, programs, products and services are subject to change. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Offer cannot be combined with any other mortgage offer. * If your client is purchasing a home, we guarantee to close by the date specified in the purchase contract, unless prohibited by federal law*, and further provided that the date is at least 30 days after the application date and the date of the purchase contract. If the loan fails to close on time due to a delay by Citibank, your client will receive a credit towards closing costs of $1,500. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending loans, and government loans. In Texas, the credit may not result in your client receiving cash back. (*Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The guarantee to close does not apply if such disclosures are required and the closing is delayed due to the 3 business day waiting period.) © 2014 Citibank. Citibank, N.A., Equal Housing Lender, Member FDIC. NMLS# 412915. Citi, Citibank, and Citi with Arc Design are registered service marks of Citigroup Inc. ONE SMART MOVE DESERVES ANOTHER Find me at our new office 155 Bovet Road Suite 750 San Mateo, CA 94402 Now that EverBank’s opened a home lending office nearby, I’m just an arm’s length away. So when the time’s right, clients can tap into my local market knowledge and overall lending expertise to get through the process easily, well-informed and most importantly, with the mortgage that’s in line with their financial picture. After all, financing a home is a big decision and no doubt, you want a lender who gets it. IT’S ALL ABOUT YOU I’m here to make sure it all goes off without a hitch and give 110% every step of the way so that closing happens smoothly and without any surprises. KEEPING THE BOTTOM LINE TOP OF MIND EverBank offers a multitude of loans with a variety of terms. Whether the goal is to keep payments low or secure financing for a large amount or complex situation, I’m sure to have a fitting solution. NEARBY AND IN THE KNOW With over 25+ years in San Mateo, I know lending and the area first-hand. When it's time to talk, visit me at our new office. �Contact me to learn more Call 650.445.0165 © 2013 EverBank. All rights reserved. 12ERM0187.1 Contact me to learn more Bob Carrie Branch Manager 650.445.0165 [email protected] www.everbank.com/bcarrie NMLS ID: 583059
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