2. OUR SECRET TO SUCCESS…
Why are our buyers more successful than other buyers in getting their offers accepted and closed?
They understand the market and where its going.
They know their financing options.
They know what’s needed to make a strong offer.
They are fully pre-approved.
We close quickly.
We structure financing so clients can make the strongest offer.
We communicate daily with all parties involved in the escrow until closing.
We have access to over 42 banks throughout the United States
We have done over 3000 loans to date and have perfected smooth stress-fee closings.
We have over 25 years of lending experience.
We use out of the box thinking!
3. THE MARKET DRIVERS
WHY REAL ESTATE VALUES MAY CONTINUE RISING
• Number of Buyers vs Sellers
• Low Inventory in the Bay Area (SMC– 411 SFD’s, SFC – 478, SCC – 1113)
• Low Unemployment (Look What the Job’s Report did to the Market on Friday)
• Strong Stock Market
• Lack of Land
• Strong Relocation to the Bay Area
• High Population
• Fortune 500 Companies, Venture Capital, Start-Up’s and all the services
that support them create incredible wealth!
• We have gone from recovery market to a growth market that
historically lasts 3 to 4 years.
4. FINANCING OPTIONS…
Whether a buyer in buying for the 1st Time, Trading Up or Trading Down, we provide financing
options that will allow them to make the strongest offer possible that include the following:
• Every 1st Time Buyer Program – FHA, VA, USDA, City Programs
• 10% Down up to $1.4m in Price with No MI
• 20% Down to $2.5m in Price
• 25% Down to $4.0m in Price
• 30% Down to $7.0m in Price
• Gap Financing with a Bridge Loan, HELOC, Margin Account or Retirement Account
• Land to Construction Financing
• Commercial Financing (Multifamily, Office, Retail, Light Industrial)
• No Monthly Payment Loans for Home Owners with low LTV’s.
Note: Above options based on owner occupied financing.
5. DIFFERENTIATION ON
AN OFFER IS EVERYTHING
What does a buyer need to offer a seller other than a strong price, that will
differentiate them from other offers?
1. Buyers need to be fully approved with credit pulled, income and assets verified allowing
them not to have a loan contingency (most lenders do not provide full credit approvals)
2. Buyers need to be able to close quickly…Max 21 to 25 Days.
3. Buyers need to weigh carefully if they need an appraisal and inspection contingency.
4. Their agent must be seasoned and present all offers in person vs by fax or email.
5. Their lender must be in good standing in the community with strong online reviews.
6. Their lender should always call the listing agent of every offer on behalf of the buyer and
buyers agent and convey confidence about the buyer and their ability to perform.
7. Their lender should offer to keep all parties updated once in contract.
8. A buyer should think twice about making a contingent offer. (We provide options to circumvent this)
6. GETTING STARTED
• Step 1 – Complete a Financing Questionnaire
• Step 2 – We review your answers, research options/solutions and
provide each solution that is applicable to your situation.
• Step 3 – Schedule face to face appointment or conference call to
discuss options and next steps.
• Step 4 – Provide supporting documentation to complete your home
loan pre-approval.
7. ABOUT ROB AND 101 LOAN
• Specialist in Residential and Commercial Financing
• 25 Years in Lending
• Have closed over 3000 loans.
• Have closed over $2b in loan volume.
• Has over 100 “Five Star” reviews in Yelp, Google, Inzopa and LinkedIn.
• Has access to over 42 lenders many with preferred lending relationships.
• Has strong support staff (4 employees that report directly) to ensure smooth, stress free
and efficient closings.
• Our Lenders Typically Will Not Cross Sell Your Clients (Like Many other Retail Banks)
AVAILABLE AT:
Office - (408) 377-4123 Cell - (650) 465-8957 Email - rob@101Loan.com Web - www.101Loan.com
