Put your portfolio to work for you with Securities Based Loans!

MAC Investment Company LLC. brings you... Securities Based Loans!

Securities Based Loans are an ideal source of fast funds for someone who holds publically traded stocks, bonds, mutual funds or US Treasuries, traded on almost any stock exchange in the world, and wants to borrow money against them.

They are also an ideal source of funds for foreign nationals, borrowers with limited or undocumented income, less than perfect credit (we do not check credit) and borrowers who want large loans with no maximum loan amount.

Some important points....

●  Interest rates range from 2.5% to 4.5%, fixed, interest only payments

●  Up to 80% LTV

●  Low origination fees; no other closing costs

●  Close in 7 to 10 business days

●  Loan periods from 3 to 10 years

●  Loans are NON-recourse, and not recorded

●  Minimum loan amount $100,000; NO MAXIMUM

●  Funds may be used for any purpose except to buy marginable securities

●  Stock must be free trading without restrictions

●  Retirement accounts, CDs, money markets, and annuities not eligible

MAC Investment Company, LLC

Current Lending Matrix - North America and Caribbean

•·       Lending Parameters Overview - Senior Debt

•·       Interest Rates: Libor+

•·       Amortization: Interest only & Standard Amortization

•·       LTV: Up to 80% on income producing properties

•·       LTC: Up to 90% on income producing properties

•·       CLTV: Up to 90% on income producing properties

•·       Origination Fee: 2 - 6% taken at closing from the loan proceeds

•·       Loan Terms: 1 - 30 years

•·       Closing times: 30 - 90 days

•·       Loan Size: $10,000,000 to $150,000,000 +

•·       Credit: Greater than 600 Fico (Exceptions on strong collateral)

•·       Allow Subordinate Financing: Mezzanine, Cross Collateral, Seller Seconds etc...

•·       Cash Down: Borrower needs at least 10% Top Line Equity

•·       Lending Parameters Overview - Equity

•·       Interest Rates/Required Yield: 12%+

•·       LTV: Up to 80% on income producing properties

•·       LTC: Up to 95% on income producing properties

•·       CLTV: Up to 100% on income producing properties

•·       Origination Fee: 5 - 10% taken at closing from the loan proceeds

•·       Loan Terms: 1 - 30 years

•·       Closing times: 30 - 90 days

•·       Loan Size: $5,000,000 to $150,000,000 +

•·       Some Collateral types that we are interested in are:

•·       Office Buildings

•·       Apartment Buildings

•·       Mixed-use

•·       Shopping Centers

•·       Warehouses

•·       Multi Family

•·       Hotels/Motels (flagged)

•·       Owner-Occupied Facilities

•·       Vacant Properties

•·       Construction

•·       Development

•·       Land

•·       Assisted Living

•·       Hospitals

•·       Casino's

•·       Heavy Industrial Facilities

•·       Theme/Water Parks

•·       "White Elephants" (very large vacant facilities)

•·       Some Collateral types that are not of interest are:

•·       Daycare Centers

Joseph V. Scorese

MAC Investment Company, LLC.

joe@reiaofnyc.com

Main Office - 484-221-9277

Direct - 610-351-9927

Fax - 610-351-0903

http://money.cnn.com/2008/09/02/real_estate/pick_a_poison/index.htm?postversion=2008090311

http://money.cnn.com/2008/08/25/news/economy/existing_home_sales/index.htm?postversion=2008082514

http://www.cnbc.com/id/26316092

http://money.cnn.com/2008/08/15/news/economy/industrial.ap/index.htm?postversion=2008081510

http://money.cnn.com/2008/08/07/news/economy/housing_funds/index.htm?postversion=2008080712

Q - The client has a adjustable rate mortgage. They have been offered a loan modification with a fixed rate for three years. However, at the end of the three-year period the rate will begin adjusting again. Can they refinance at the end of the three-year period and shop for a fixed rate or will they have to wait a certain amount of time.

A - There are different ways to modify a mortgage and your lender would not take such a step unless you had demonstrated that the current arrangement will lead to foreclosure - and loss for the lender.

Traditionally, borrowers have been able to refinance, loans at any time. However, in recent years lenders have created stiff prepayment penalties to discourage refinancing during the first few years of the mortgage term. With the brief background in mind, several points stand out.

First, the lender's offer is better than the alternative,foreclosure now and the loss of the home.Even the lender is plainly working in the best interest, in this case it is also taking a step which can be enormously helpful to you. Many lenders are not offering modifications.

Second, you should do everything possible to re-establish credit and bulk-up savings. Three years is not far away.

Third, what is the new interest rate? New Payment? Is there a prepayment penalty during the modification period. If so, how much?

Fourth, if at all possible do not wait three years to refinance. Instead, look for a fixed rate loan, perhaps somrthing insured by the FHA.

Fifth, also look into seling the property and moving to a home with lower monthly costs. If you can do this when not facing foreclosure your negotiating position will be much stronger.

Your lender has given you a window of opportunity. Since the lender does not have to offer a modification you should take advantage of the situation you have.

Best Regards,

Joseph V. Scorese

MAC Investment Company

http://activerain.com/action/referrals/joemacinvest

joemacinvest@yahoo.com

Toll Free - 877-263-4881

Office - 484-221-9277

Direct - 908-967-4064

Fax - 610-351-0903

http://money.cnn.com/2008/07/31/real_estate/mortgage_rates/index.htm?postversion=2008073111

http://www.washingtonpost.com/wp-dyn/content/article/2008/08/01/AR2008080103718.html