7 october Easy Process

Please consider your
ADVERTISERS on pages
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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:
toni.tiger@hiscohw.com
Fax: 1-800-344-4726
Shaveta Sareen
Sr. Mortgage Loan Officer, VP NMLS ID: 483455
650-645-8807 Office
Shaveta.Sareen@bankofamerica.com
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 dalen@samcar.org
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
mark.linton@usbank.com
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!

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 
Kathy Affeltranger
HECM for Purchase Specialist
Reverse Mortgage Consultant
NMLS #545774
Kathy.Affeltranger@s1l.com | ReversebyKathy.com
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

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
stephanie.davidson@pncmortgage.com
pncmortgage.com/stephaniedavidson
Raffi Soghomonian
Sr. Mortgage Loan Officer, VP NMLS ID: 483480
650-591-8830 Mobile
raffi.soghomonian@bankofamerica.com
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
sdaniels@opesadvisors.com
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
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to find ou
firstbanks.com
Mortgage_BizCardAd.indd 1
YOUR AD HERE!
RATES www.samcar.org/advertising
RESERVATIONS dalen@samcar.org
Ted Oberson,
Mortgage Home
Loan Consultant
p: (408) 910-4833
Ted.Oberson@fbol.com
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
michael.haigh@wjbradley.com
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
GetStarted@AscendMortgage.com
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
markh@stearns.com
Mortgage Loan Originator
NMLS# 873575
Direct: 214.789.5008
sford@stearns.com
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
kmittal@stearns.com
Han Kim
Mortgage Loan Originator
NMLS# 316017
Direct: 650.307.6675
hankim@stearns.com
Mortgage Loan Originator
NMLS# 1199105
Direct: 650.771.1237
lledezma@stearns.com
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
toni.tiger@hiscohw.com
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
phillip.braga@citi.com
NMLS# 483450
Kathy Liu
Home Lending Officer
415.200.6677
kathy.liu@citi.com
NMLS# 410091
Randall Tom
Home Lending Officer
650.743.7789
randall.tom@citi.com
NMLS# 633699
Joanna Burns
Home Lending Officer
650.454.9030
joanna.m.burns@citi.com
NMLS# 726272
Nirmalya Modak
Home Lending Officer
408.829.0041
nirmalya.modak@citi.com
NMLS# 633685
Vera Tom
Home Lending Officer
650.743.8887
vera.tom@citi.com
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
bob.carrie@everbank.com
www.everbank.com/bcarrie
NMLS ID: 583059