Residential Mortgages   15, 20, 30 or 40 Year Fixed Amortizations Interest Only, Fixed Rate Reverse Mortgages (an emerging industry in itself) Option ARM (LIBOR, CODI, COSI) Adjustables from Monthly to 10 Years Band-Aid Non-Conforming for those tougher to qualify due to credit issues or income filings. FHA/VA More Complex – Bigger Potential Market 100% 1st Time Homebuyer, Multi-Family Investments Rehab One closing Permanent mortgages! (See if your bank can match that!) Commercial, Non-Recourse, Stated Income, Acquisitions Purchase, Refinance, Cash Out of Equity No Income Verification, Stated Income Self-Employed, No Income/No Assets Bank Statement Income Standard, Jumbo, Super-Jumbo HELOC’s with $1,000,000 Sub-Limits Stated Income, 100% LTV to $1.4 Million! 80% Cash-Out Refi, 1 DAY OUT OF BANKRUPTCY

Commercial Mortgages   SBA LOANS ARE EASY IF YOU KNOW HOW! Professional Support Division, Higher Net Loans Non-Recourse Commercial and Investment Property for Long Term Investment, Great for Serious Investors Multi-Family For Investment or Rent Offsets Mixed Use Properties/Store-Fronts, Apartments Cash-Flow Only Qualifying, Even in Rent-Control districts, from Brooklyn to Malibu!