Como un californiano yo soy muy afortunado hacer mi oficina situar aquí en el del sur de california. Para algunos de los que estén fuera de estado la bahía del sur es minutos lejos del aeropuerto internacional siempre ocupado de Los Ángeles. Una vez que o dos veces una semana yo y mis colleauges vayan a los puntos calientes del corredor/del agente de propiedades inmobiliarias a asir una mordedura para comer. Hay competición mucha para su negocio y otros profesionales del oficial de préstamos y otros de las propiedades inmobiliarias soliticing siempre el mismo negocio. Algunos ellos intentan demasiado difícilmente porque los veo el dar el agente de una tarjeta de visita y él terminan encima de ellos lanzado en el piso. Mide el tiempo a menudo de otros abogados les dan un puñado de aviadores o del intento para demostrarles algo en su computadora portátil. ¡Para el motivo de los dioses esta gente está intentando almorzar!!!!!!!!!!!!!!!!!!!!!!

Tomo un acercamiento totalmente diverso con esta gente. Tomo un acercamiento menos agresivo con todo más acertado. Con los agentes que soy solicitando yo enganche con la charla pequeña generalmente alrededor o los deportes o cualquier cosa que vienen importar. Entonces después de que algunos minutos tiendan para preguntarme si estoy en el negocio con este mi pie está en la puerta. Cuando estoy a punto de dejarme tome SU tarjeta y carta recordativa con ellas el día siguiente. Esta estrategia hasta ahora apagado hermoso. El hecho de que también hablo espanol también me da una ventaja competitiva más grande.

Eddy Martinez
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

Realtors and Fellow Finance Professionals,  

As a real estate finance professional its important to display what types of loan services are currently offered here in southern California which is my primary target market. I can lend in 35 other states as well. Lending guidelines have currently changed but in my opinion for the better. Appraisals values are getting cut by lenders due to the number of current foreclosures across the nation. Full income documentation is the norm but there are a few banks that are offering stated income loans but their requirements are pretty rigid. Contact me if you have a scenario.

Here is what i can Currently offer *:

1. Home Equity Loans to 75% CLTV in Southern California, inquire within for other states.
2. FHA financing for purchase (3% Down) and refinance loans.
3. 100 % VA Financing up to $417,000.00, inquire within for other states.
4. Home Opportunities , My Community & Flex to 95% LTV
5. Conforming Rate & Term to 95 % LTV
6. Conforming Cash Out Refinance to 85% LTV
7. Conforming Purchase to 90% LTV
8. Jumbo Conforming Purchases and Refinances up to 85% LTV
9. Great Rates available on No PMI option Loans (LPMI)
10. Reverse Mortgages
11. Small Business Commercial Loans
12. Interest Only up to 10 years on Fixed and Adjustable Rate Mortgages.
13. 80-10-10 Seller Carryback available on conforming loans
14. Cash out after 30 days off of MLS (FHA and Conv)
15. Down-payment assistance programs accepted on FHA , inquire within for additional details
16. Manufactured Housing ok - inquire within for additional details not all properties qualify
17. 100 % yes you heard right 100 % financing available under the USDA Rural Development program. 102% LTV (100% with a 2% USDA Guarantee Fee, which is financed) No Mortgage Insurance, No declining market issue, up to 6% seller concessions allowed. Full Doc Only, Owner, Occupied or current USDA loan refinances ONLY. Its important to note that: The porperty does not have to be zoned rural. The program is specific per state and there are income limits per state that are required so please inquire within if you have a scenario.

Loan Guidelines are tight but there are still various loan products that are available for first time buyers, investors or refinance prospects.

Realtors and fellow real estate professionals if there a borrower that you can not finance or if you need a prequal don't hesitate to contact me. I am bilingual so if you have any Spanish speaking clients i am here to help. Don't worry i wont ask you for a referral fee on a closed purchase. Expect the truth and nothing short of that. As much as it hate to turndown a borrower it something that has to be done.

Lets make it happen in a soft market,

 

 

Eddy Martinez - Se Habla Espanol
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

* Rates and loan programs are subject to change at any time. 

* LTV = Loan To Value = How much you are borrowing / Value of The Subject Property.

* With the 2008 Economic Stimulus package Confroming loan amounts are different in every county. Anything outside of the conforming loan amount is to be considered Jumbo.
 

 

 

 

 

 

 

As i had predicted the Raiders chose Darren Mcfadden with the number four overall pick in this past weekends NFL draft. But i must say i am not happy with the other picks. Here is the full draft overview.
Raiders Draft Tracker
R P O POS. Player College
1 4 4 RB Darren McFadden Arkansas
4 1 100 CB Tyvon Branch Connecticut
4 26 125 WR Arman Shields Richmond
6 3 169 DE Trevor Scott Buffalo
7 19 226 WR Chaz Schilens San Diego State

The Raiders did great by picking the best athlete in the draft with their first pick and will surley kick start our bland offensive play. But overall we did a terrible job draft-wise , we had only five overall picks throughout the seven rounds. We drafted another Cornerback that we did not need and we drafted two wide recievers which at best only one will make the full roster. We needed more help on our defensive and offensive line as evidenced by our league worst 32rd ranking against the run. A outside linebacker was another glaring need that wasnt addressed. We released RB Dominic Rhodes and traded away CB Fabian Washington in order to leave some cap space. This draft is further evidence that owner Al Davis is still running the show which is just absurd. He does have a keen eye for talent but he is drafting as if it was 1967 all over the again. The game has changed 360 degrees since then. I just dont see any other quality free agents out there that are going to fill the gaps we possess.
If were GM i would of drafted an two offensive lineman, two defensive lineman and a Outside linebacker. The Raiders spent alot of money in the offseason on players such S Gibril Wilson, WR Javon Walker, DT Tommy Kelley, CB DeAngelo Hall just to name a few. The reality is that you can not buy a team, just ask the New York Yankees who have had the highest payroll in all of sports and zero championships to show for it.
How did your team do in this years draft?

Eddy Martinez
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

Below is a look at whom mock drafts have the Raiders picking with the No. 4 overall pick:

- Mel Kiper, ESPN - RB Darren McFadden, Arkansas - Todd McShay, Scouts Inc - RB McFadden - Mike Mayock, NFL.com - DE Vernon Gholston, Ohio St. - Vic Carucci, NFL.com- RB McFadden - Pat Kirwan, NFL.com- DE Gholston - The Sports Xchange DT Glenn Dorsey, LSU - Profootballtalk.com- RB McFadden - NFLdraftcountdown.com- RB McFadden - Draftinsiders.com- RB McFadden - Sporting News OT Ryan Clady, Boise State - NFL Draft Scout - RB McFadden - Don Banks, SI.com- RB McFadden - Mike Lombardi, NFL Network- Gholston




As you can see above most draft experts are predicting that the Oakland Raiders with the number four overall pick in the draft this saturday. Coverage begins on ESPN at 3pm Eastern Standard Time. Al Davis the Raiders control hungry owner has a knack for recognizing talent and for the most part speed. The raiders head coach Lane Kiffin has absolutley no say as to who the raiders draft and he calls al davis the "general manager". Insiders close to the raiders and al davis have heard that if star running back Darren Mcfadden out of the university of Arkansas is the clear choice. The raiders clearly have needs on the defensive and offensive line but an explosive home run hitter like Mcfadden doesnt come around too often. As a lifelong raider fanatic i totally agree with these predictions:
With the number four pick in the NFL draft the Oakland Raiders select:

I have a feeling that the raiders will also make additonal trades and acquire more picks on draft day. They only have only have a total of 5 draft picks and dont have any picks in the second or third rounds. In order to fix this the raiders may trade future late round draft picks along with RB Lamont Jordan, CB Fabian Washington or CB Stanford Routt.

If for some reason mcfadden is picked then the raiders should go with the legacy approach and draft Raider legend Howie Longs son Chris Long Defensive end of out of the University of Virgina.



This offseason the raiders have spent money like it is going out of style, so the next few days are going to be very interesting.

Eddy Martinez
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

What a season for our beloved Lakers. Training camp and most of the off-season was full of kobe trade talk and kobe being upset that the Lakers front office didnt get him any help. But early in the season the general manager Mitch Kubpchak starting making his moves also the emergence of the center Andrew Bynum gaves us lots of hope. He traded Maurice Evans and Brian Cook for Trevor Ariza an athletic and outstanding forward but his season was cut short due to a leg injury. After this trade went down the laker faithful assumed that this was all the Lakers would do to improve the squad...............

But the biggest trade in the NBA took place the lakers traded center Kwame Brown and rookie point guard Javaris Crittenton, two draft picks for all star center Paul Gasol. This ignited the fire for the lakers and the team will only get better when Bymun and Ariza return which should be during the second round of the playoffs. The Lakers had what it took during the season to win tough in-conference games on the road. With the thrashing of the Sacramento Kings the Lakers get an extra day of rest and will play either the Dallas Mavericks or the Denver Nuggets in the opening round of the playoffs this weekend.

Could we see the Lakers and Celtics in the finals again just like the 80s? Time will only tell.......

How did your favorite NBA team do this year? Any Predictions?

Eddy Martinez
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

Regular Season Schedule/Results
WK	DATE	OPPONENT	TIME (ET)	TV	TICKETS	LOCATION
1	Mon, Sep 8	Denver	10:15 PM	ESPN
2	Sun, Sep 14	@ Kansas City	1:00 PM
3	Sun, Sep 21	@ Buffalo	1:00 PM
4	Sun, Sep 28	San Diego	4:05 PM
5	BYE WEEK
6	Sun, Oct 12	@ New Orleans	1:00 PM
7	Sun, Oct 19	NY Jets	4:15 PM
8	Sun, Oct 26	@ Baltimore	1:00 PM
9	Sun, Nov 2	Atlanta	4:15 PM
10	Sun, Nov 9	Carolina	4:05 PM
11	Sun, Nov 16	@ Miami	1:00 PM
12	Sun, Nov 23	@ Denver	4:05 PM
13	Sun, Nov 30	Kansas City	4:15 PM
14	Thu, Dec 4	@ San Diego	8:15 PM
15	Sun, Dec 14	New England	4:15 PM
16	Sun, Dec 21	Houston	4:05 PM
17	Sun, Dec 28	@ Tampa Bay	1:00 PM

 

This morning the NFL released the full schedules for the upcoming season. The Draft is next saturday April 26 so the countdown begins for the new season!!!!!!!!!!!!!!!

My team the Oakland Raiders has a pretty tough schedule playing 2 out of the first 3 on the road.

Hows your teams schedule ? Predictions?

 

Eddy Martinez

Nationwide Funding Group

Team Leader / Senior Loan Consultant

Office: 1-888-702-2225 x 115

Direct: 1-310-530-0917

E-Fax: 1-310-943-6551

emartinez@nationwidefgc.com

Join Hundreds of Realtors , Loan Officers, Appraisers, Insurance Agents, Real Estate Attorneys
for an exclusive networking mixer. Long lasting business relationships will be made..........
Eddy Martinez
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

Hello Rainers here is a quick update in regards to the real estate networking event and mixer that I am organizing on Saturday April 5 , 2008 at the Basement Ultra Lounge in the city of Long Beach. The Event starts at 9:35 pm.

Due to limited space you will need to RSVP by April 4 2008.

I look forward to meeting and networking with everybody there.

 

Eddy Martinez

Nationwide Funding Group

Team Leader / Senior Loan Consultant

Office: 1-888-702-2225 x 115

Direct: 1-310-530-0917

E-Fax: 1-310-943-6551

emartinez@nationwidefgc.com

I am proud to announce the Real Estate Networking event that I am organizing. It will take place Saturday April 5, 2008 at the Basement Ultra Lounge in the city of Long Beach. This is an open invitation to all local and non local Active Rain members. In attendance there will be Appraisers, Real Estate Agents . Loan Officers, Title Reps, etc. This will be a great oppurtunity for all guests to network , so bring plenty of business cards and get ready to make new connections in the industry.
There will be guest speakers and a mixer thereafter. More details coming soon..............................

In Attendance there will be Appraisers, Real Estate Agents . Loan Officers, Title Reps, etc.

Dress to Impress 149 Linden, B-100, Long Beach, 90802 RSVP As soon as possible as space is limited. Event Begins at 9:30 p.m
www.basementlounge.com



Eddy Martinez
Nationwide Funding Group
Team Leader / Senior Loan Consultant
Office: 1-888-702-2225 x 115
Direct: 1-310-530-0917
E-Fax: 1-310-943-6551
emartinez@nationwidefgc.com

Hello again Active Rainer's!!! Its been a while since i last wrote a blog but whether you believe me or not i have been swamped with real estate and various other business endeavors. Consumer response off of this website has been phenomenal. My recent hiring of an assistant has surely helped me out freeing up some time. Don't you wish there was more time during the working day? :)

I have commented on a few blogs so I never was completely gone from active rain. I will be blogging regularly again and have many other networking projects in store for the future. My first will be a networking event Saturday April 5 at the Basement Ultra Lounge in the City of Long Beach intended for all real estate professionals, appraisers, title, escrow officers, attorneys, etc.. More details will be released soon. Stay tuned.

Reciprocation is one of the keys to everybodys success here on activerain.

Sincerely,

Eddy Martinez

Nationwide Funding Group

Team Leader / Senior Loan Consultant

Office: 1-888-702-2225 x 115

Direct: 1-310-530-0917

E-Fax: 1-310-943-6551

emartinez@nationwidefgc.com

"Dont Talk About It Be About It"