Richard 's Blog

When It Comes to Choosing A Commercial Lender • Never Judge a Book by Its Cover

Thu, 31 Jul 2008 11:14:09 -0500

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BANCOFINO COMMERCIAL LENDING

YOUR AGGRESSIVE LEADER

When you are shopping for a commercial lender, what do you look for? Do you look for a fancy web site with all the bells and whistles? Are you impressed by a fancy office or a nice voice over the telephone? Do you think your bank is the answer to your solution? It is a jungle out there and can become quite confusing with all the players promising you they are the "ones". In most cases, the person you speak with at a commercial loan office is simply an application taker hoping to gain your business. If you don't believe it, simply ask them if they own commercial property such as apartment complexes, shopping centers or office buildings. You will be surprised with the answer you'll get my friend.

Who would you want to bet your life on when it comes to getting you a commercial loan? Would you go with the kiddies out there trying to score a big one? Or would you go with someone who has been to the closing table many times? Someone who owns over (1000) apartment units from coast to coast including office buildings and shopping centers. Someone who knows how to get you to the finish line for they've been there and it wasn't easy. Nothing is easy in this world. Nothing is given to you on a silver platter. You have to earn it! It is simple as that. Henceforth, the meaning of being a "seasoned investor" and a "seasoned financier" commands a certain amount of respect in this industry.

Use common sense and ask the right questions. You will quickly determine who will be your commercial lending source of choice. Don't be fooled by smoke and mirrors. This is a cut throat business and people will tell you what you want to hear. As mentioned before, experience is important, but don't forget, it's also who you know that will be make the difference in getting you to the promise land. For additional information, visit our corporate web site at www.fedfund.us and enjoy the experience.

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affliate of Federal Funding, LLC

www.equifund.us

Online Poll Powered By WebsiteGear: Requires newer web browser to view.

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Commercial Borrowers • Learn From Others, But Bring Your Loan to Us • We'll Close It!

Wed, 30 Jul 2008 12:31:11 -0500

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The best borrower is an educated borrower. We emphasize to our commercial clients about getting educated on securing a commercial loan. Be savvy! Learn as much as you can about the various programs being offered. Attend seminars, watch videos and ask plenty of questions about the complexities of commercial finance. It is not for the faint of heart. However, if you invest enough time and energy into educating yourself about this business, you will find easier on who to choose for your mortgage needs. You will find out who can deliver the goods and who can't. So please! Be wise and spend a little bit of time learning about the commercial mortgage industry. It will save you a lot of time down the road. For more information, do not hesitate to contact me. We welcome your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affliate of Federal Funding, LLC

www.equifund.us

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Bancofino Funds Unusual Commercial Loans • Find Out How?

Wed, 30 Jul 2008 10:53:04 -0500

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Bancofino, the leader of the 100% LTV loan now funds unusual and weird loans. We gladly welcome your bank turn down loan no matter how unusual and weird it is, we will give you time of day. As you know, bank lenders are more stringent now more than ever before. They simply can't risk putting a questionable loan on the books. Unless you have perfect credit, perfect loan history, ample assets and a sound business plan, you won't get approved. You can take that to the bank!

We are all ears. Let's hear your story. We'll give you a good assessement of your situation and advise you the best angle of attack to succeed with your loan. Put your best foot forward and let us help you. As usual, we welcome your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affliate of Federal Funding, LLC

www.equifund.us

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Dear Mr. Bancofino • How Can You Offer 100% LTV Commercial Loans? • Please Tell Us!

Wed, 30 Jul 2008 08:42:08 -0500

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LOAN ANALYSIS TEAM

APPROVES YOUR LOAN

We at Bancofino utilize a common sense approach to commercial loans. We are a story based mortgage company. We see the facts as they really are through crystal clear lens. We listen to you. We hear you. We work with you. Tell us what your issues are and where you need help. Is your credit score not where it should be? If so, we have direct relationships with credit restoration vendors who will attend to your most immediate needs. Are you having issues with the seller? We have FedFunds Realtors who will represent you and negotiate on your behalf with the seller addressing any concerns you may have. Do you need a little more cash for downpayment? Don't worry. Our parent company, Federal Funding can fund you any amount of equity capital needed and closing costs funds if necessary, subject to equity. As you can see, where there is a will, there is a way. Rest assured, we will get you where you want to be in a matter of time. We look forward to your business.

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affliate of Federal Funding, LLC

www.equifund.us

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Bancofino Turns Your Unusual Loan to a Normal Loan Approval • Call For Details!

Tue, 29 Jul 2008 11:04:47 -0500

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CUSTOM FINANCING

SUBMIT YOUR LOAN TODAY

Bancofino welcomes your bank turn down loans. It doesn't matter how weird or unusual it is, we will turn it into an approval. Our team of experts will analyze your loan submission and determine what is needed to convert your loan into a successful approval. We will customize your loan to suit your needs. In the event you need additional downpayment or closing cost assistance, we will request Federal Funding to review your file and if it qualifies for the EquiFund and or FedMoney Programs, you will be promptly notified of the protocols to be followed. Here at Bancofino, we turn weird or unusual loans to normal loans. We welcome your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affliate of Federal Funding, LLC

www.equifund.us

Online Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Bancofino, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Bancofino Welcomes Competition and the Joy of Capitalism • God Bless America!

Tue, 29 Jul 2008 08:20:02 -0500

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FREEDOM!

Bancofino recognizes no peers in the commercial financing business. This is a dog eat dog world we live in. Only the strong will survive. He who offers the best product, the best service and the best terms will crush the competition. Therefore, no matter what industry you are in, be sure you are always on top of your game and that your services are second to none because as soon as you blink an eye, someone else will come in and fill your spot. This is the beauty of our country. Freedom of expression. Freedom to do what you want as long as you take care of your customer and help them get what they want.

Economic hardships in the mortgage and real estate business has increased competition to the maximum. Realtors want your listings. Mortgage brokers want your loans. Title companies want your title business. The competition is heating up for your business and let the best team win. Those who complain and cry foul shall not last. This is what capitalism is all about and makes our country the greatest place on earth! Let the games begin. If you are in the market for the best financing product available, you have come to the right place. Welcome home!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affliate of Federal Funding, LLC

www.equifund.us

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Bancofino Soon to be Hiring Commercial Loan Officers • Offer 100% LTV and Start Closing Loans!

Mon, 28 Jul 2008 22:22:57 -0500

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OFFER 100% FINANCING & CLOSE MORE DEALS

JOIN US TODAY!

Bancofino will soon be hiring commercial loan officers in your area. Are you happy with your mortgage broker? Are they paying you enough commission? Looking to offer a unique financing product? If so, feel free to contact us and let's hear your story. We are open to your ideas and suggestions. We aim to please not only the borrowers who participate in our various Bancofino and EquiFund programs, but our loan officers and EquiFund Brokers too! You can become an EquiFund Broker and run your own shop. Let us know what you think. We are all ears. We look forward to your input!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equifund.us

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Bancofino Offers a NO CLOSING COST Commercial Loan with NO DOWN!

Mon, 28 Jul 2008 18:34:47 -0500

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YOU HEARD IT RIGHT PARTNER!

NO CLOSING COSTS & NO DOWN LOAN!

Bancofino originates commercial loans with NO closings costs and NO downpayment! That is correct. Six out of ten commercial loans we originate entail no out of pocket costs to the borrower. How is this possible? We are experts in the commercial lending business. We match your loan request with the best loan programs we offer and combine it with the Federal Funding EquiFund Program. The end result is the highest LTV possible for the discrimminating Bancofino borrower who in most cases receives a commercial loan with little to nothing down and no closing costs.

Ask your mortgage broker if they can provide you with a similar loan program and you will quickly find out it is not possible. Unless they are an approved EquiFund Broker with Federal Funding, you will NOT find a competing product out there. Period! Contact us today and let us help you secure a commercial loan that is right for you! We welcome your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equifund.us

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100% Financing Sounds Real Good! Doesn't It? Ask Bancofino How to Get Your 100% Loan Today!

Mon, 28 Jul 2008 12:09:42 -0500

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100% FINANCING

GET YOUR 100% LOAN TODAY!

Yes! We can offer you a true 100% commercial loan! How do we do it? First, you must be realistic with your goals of achieving maximum financing for your project. Just follow some simple guidelines listed below:

Good credit.
Cash reserves.
A well drafted personal and or business financial statement.
A good business plan.
Equity capital.
The right property.

An educated and well prepared investor are the best customers you can have. Be sure you follow the above and choose your lender wisely. Depending on what kind of property you wish to purchase will determine the type of lender securing your loan you will use. If you don't have enough equity capital to put in the deal, then choose your commercial equity provider wisely if you can locate one. Don't forget to select an experienced commercial real estate agent to represent you and insure they are up to speed with all the properties available and the various financing programs on the market. Do your homework well and you will find your chances of succeeding in commercial investing to be a positive experience.

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equfund.us

Web Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Bancofino, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

BANCOFINO WANTS UNUSUAL AND WEIRD COMMERCIAL LOANS NOW!

Sat, 26 Jul 2008 11:26:45 -0500

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UNUSUAL LOANS APPROVED!

APPLY TODAY

Do you have an unusual loan that has been turned down by your bank? Has your broker been shopping your loan to no avail?  Can't find the approval you need? Look no more my friends. Bancofino to the rescue! We fund all types of commercial loans that don't fit the standard lender's criteria. Low FICO, not enought assets or need to go stated income is okay with us. We analyze your loan request and determine the best method of approach to secure you a loan approval.

Bancofino offers 100% LTV financing for your unusual loan. We'll get you approved and lead you to the closing table quickly and efficiently. No red tape, no bull, just straight forward processing of your loan request with minimal fanfare. We welcome your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equifund.us

Online Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Bancofino, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

MY INTRODUCTION TO ALL WHO PARTICIPATE IN THIS GROUP

Sat, 26 Jul 2008 08:52:00 -0500

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Welcome to the "About Mortgage and Networking" Group!

I started this group because I feel there is a need for mortgage and real estate professionals to openly discuss their ideas, concerns, suggestions and the need for good unbiased advice from members within the Group. I take great pride in my business of loan originations and equity fundings. It has certainly changed dramatically just in the last couple of years. I wonder where everything is going and what the future will bring us in this business.

Nevertheless, we must adapt to the ever changing climate we live in and move forward with our ambitions. This is a dynamic industry we are in and I am sure for all of us professionals, we will change the way we do business and hopefully for the better. If we remain static, others will advance and leave us in the dust. That is business. He or she who remains on top of their game will be the ones to lead us the way.

There is a new breed of professionals entering this field of finance and real estate. They are "new school". Their thinking and behavior is nothing like we have known before. Tradition to them is non-existent. The old way of doing things has been replaced with the new way of doing things. It is where this market is going and us as professionals must change our "old school" way of thinking or we will eventually be eliminated by these "new schoolers". I look forward to your participation and comments to this group.

Richard David

Federal Funding, LLC

Dallas, Texas

New York, New York

richard@equifund.us

Commercial Equity Lenders • Loan Originators • Investment Advisors

www.equifund.us

Let us hear you. Please vote below. Thank you!

Poll Software Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

BANCOFINO WILL APPROVE ALL COMMERCIAL BANK TURN DOWNS! SEND US YOUR DEAL TODAY

Fri, 25 Jul 2008 15:50:21 -0500

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BEEN TURNED DOWNED LATELY?

WE CAN HELP!

Bancofino approves over 90% bank turn down loans. We see it all the time. An investor applies for a commercial loan at his local bank. Just like his father and grandfather did back in the old days. Well, the old days are gone and the new days are here. Rest assured, you will get turned down from your banker if you don't have "perfect" credit, plenty of assets, collateral and at least 20% downpayment. If you don't, you are virtually guaranteed to be politely turned down.

We at Bancofino take a holistic approach to our customers. We listen. We hear. We approve. Naturally, you would need to follow protocol and guidelines to secure your 100% LTV approval. We analyze turn down loans daily and find most of them simply need a little loan restructuring with a natural approach to renegotiating the deal. Our EquiFund Realtors are highly trained professionals who will take your deal and resubmit it to the seller for their acceptance. From there, the road to closing land is imminent. We look forward to your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equifund.us

Web Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Bancofino, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

BANCOFINO OFFERS EVERYDAY 100% FINANCING ON ALL COMMERCIAL PRODUCTS!

Fri, 25 Jul 2008 09:07:32 -0500

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DO YOU NEED 100% LTV?

YOUR SEARCH HAS ENDED

Bancofino offers commercial investors the only 100% LTV product on the market today! If you are looking to secure the highest LTV possible for any kind of commercial property or business, then we can help you. We place your loan with one of the multitude of programs we offer and insure it is well suited to your needs. Federal Funding will fund the remaining LTV as equity capital, subject to the property's equity position. The end result is 100% LTV!

Ask your broker or loan officer if they can provide you with 100% LTV. You will quickly find out their limitations. Bancofino knows no peers in this industry. No matter how unusual your loan is, our team of experts will secure you a commercial mortgage loan. Don't hesitate to contact us and tell us your scenario. We'll listen and give you our expert advice. Don't forget, we fund nationwide. We look forward to your business!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equifund.us
Let us hear you. Please vote below. Thank you!

Website Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Bancofino, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Bancofino Offers 100% Stated & Full Doc Commercial Financing! - Brokers Welcomed

Wed, 23 Jul 2008 12:05:14 -0500

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100% COMMERCIAL FINANCING!

APPLY TODAY!

Yes, it is true! Bancofino is the ONLY true originator of 100% commercial financing! It knows no peers. If you are looking for a commercial loan anywhere from $500K to the millions, you have come to the right place. Why go to anyone else? If they can't give you the full 100% LTV approval you need to secure your mortgage loan, then check us out at www.bancofino.com. Additional information can be found at www.fedfund.us.Send us your bank turn downs. We'll breath new life into your loan request. We offer a wide array of loan services from hedge fund, institutional, conduit and hard money loans for purchasing office buildings, multi-family, shopping centers, land, churches and much more! How do we do it?

Bancofino and Federal Funding have joined together to bring you the industry's only true 100% LTV product. Bancofino will originate the loan and provide a term sheet approval. As an example, let's say the maximum LTV is 80%. Federal Funding will fund the difference as equity capital to the buyer meeting the lender's downpayment requirement. The property must have an equal amount of equity matching the equity needed in order to achieve 100% LTV. This program is not a sure fire solution to all commercial transactions, but we find it serves over 75% of the deals submitted to us very well. Even if there is not enough equity in the deal, there are other methods available to secure the necessary financing for the borrower.

If you are a commercial broker in this business, it is wise to join us and start closing deals. You know how hard it is to close a commercial transaction. Now, more than ever with the CMBS market in turmoil, you need a partner who can help you seal the deal. Visit the Federal Funding site at www.fedfund.us and learn more on how to become a FedFunds Broker. You will be pleasantly surprised with our wide array of services offered to brokers, Realtors and investors. Join my Team today!

Richard David

Bancofino, LLC

Dallas, Texas

New York, New York

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending

An Affiliate of Federal Funding, LLC

www.equifund.us
Let us hear you. Please vote below. Thank you!

Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Bancofino, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

BANCOFINO OFFERS 100% COMMERCIAL FINANCING! - BROKERS WELCOMED

Wed, 23 Jul 2008 11:20:41 -0500

_____________________________________________________________________________________________________

100% FINANCING!

APPLY TODAY!

Yes, it is true! Bancofino is the ONLY true originator of 100% commercial financing! It knows no peers. If you are looking for a commercial loan anywhere from $500K to the millions, you have come to the right place. Why go to anyone else? If they can't give you the full 100% LTV approval you need to secure your mortgage loan, then check us out at www.bancofino.com. Send us your bank turn downs. We'll breath new life into your loan request. We offer a wide array of loan services from hedge fund, institutional, conduit and hard money loans for purchasing office buildings, multi-family, shopping centers, land, churches and much more! How do we do it?

Bancofino and Federal Funding have joined together to bring you the industry's only true 100% LTV product. Bancofino will originate the loan and provide a term sheet approval. As an example, let's say the maxiumum LTV is 80%. Federal Funding will fund the difference as DPA to the buyer meeting the lender's downpayment requirement. The property must have an equal amount of equity matching the downpayment needed in order to achieve 100% LTV. This program is not a sure fire solution to all commercial transactions, but we find it serves over 75% of the deals submitted to us very well. Even if there is not enough equity in the deal, there are other methods available to secure the necessary financing for the borrower.

If you are a commercial broker in this business, it is wise to join us and start closing deals. You know how hard it is to close a commercial transaction. Now, more than ever with the CMBS market in turmoil, you need a partner who can help you seal the deal. Visit the Federal Funding site at www.fedfund.us and learn more on how to become a FedFunds Broker. You will be pleasantly surprised with our wide array of services offered to brokers, Realtors and investors. Join my Team today!

Richard David

BANCOFINO

Dallas, Texas

richard@bancofino.com

100% Commercial Financing • Investment Advisors • Nationwide Lending • DPA

Bancofino is a subsidiary of Federal Funding

Copyright 2008 © Bancofino. All Rights Reserved

How to Increase Revenue From Your Loan Officers & Real Estate Agents - You Have a Gold Mine Right Under Your Nose!

Tue, 22 Jul 2008 11:33:03 -0500

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START A COMMERCIAL EQUITY FINANCING TRAINING PROGRAM ON 100% FINANCING

TEACH, EDUCATE AND EARN RESIDUAL INCOME!

This year has been a year of change and turmoil. The real estate and mortgage industry is experiencing its most traumatic moments in recorded history. Never before have so many giants gone by the wayside or have been bought up by their competition. Only the strong will survive and a new era will begin once the dust has settled. I assure you this industry will be dominated by the conglomerates, it is just a matter of time. The era of the mom and pop operations are numbered, but there is hope, just keep reading.

Now! More than ever, we must tighten our belts and prepare ourselves for what is yet to come. We hope these times will pass and the future will bring us prosperity. However, prosperity will not come to those who don't "plan" ahead. For those who do will be shielded from the next economic downturn. If you think by increasing your marketing efforts and writing more blogs will help, I have sad news for you my friends. It takes more than that to secure your financial future. You must think new school! You must think what else can I do to bring home more bacon. If you only know real estate and depend on listings or closing loans for your primary income, then now is the time to raise the bar to the next level. Consider becoming an EquiFund Trainer.  Say what?

My company, Federal Funding has developed a unique training program called the EquiFund Trainer Program for commercial financing. It teaches the principles of equity financing and the concept of 100% financing. For those who don't understand, in its simplest form, we are taking about "loan + equity". Our sister company, Bancofino is the originator of all commercial loans submitted to participating EquiFund lenders. We as Federal Funding will fund the "difference" needed by the buyer for their downpayment as equity capital. When you add up the two, you should come up with 100% LTV. It is a simple concept, but in true reality, it is complex and requires special training by experts. This is where you come in to the picture.

The demand for commercial equity financing is stronger than ever! We need more EquiFund Trainers to train investors, Realtors and mortgage brokers on how to implement this unique strategy. We have decided to make this opportunity lucrative with potential income exceeding $100K+ for savy trainers. A minimum annual investment into the Program will grant you access to all of our products and services offered. You will earn commissions from the sale of our software and services in a training environment along with sharing our profits from the origination of the mortgage loan, funding of the EquiFund Program and software license renewals.

This offer to participate in this unique program will only be available to select individuals, Realtors and mortgage brokers. We will train you on how to use the Deluxe EquiFund Calculator and the forthcoming Commercial EquiFund Underwriter program. We will show you how we have successfully originated commercial loans and funded equity to investors nationwide using our system. You then will be able to setup training classes for your agents and loan officers and teach them how to increase their commissions by expanding their horizons. The more successful they become, the more profits you will earn. In essence, you will be their coach and mentor for life! A win/win proposition. Now, this is new school my friends! Contact me by email to learn more at richard@equifund.us

Richard David

Federal Funding, LLC

Dallas, Texas

New York, New York

Commercial Equity Lenders • Loan Originators • Investment Advisors
www.equifund.us

Website Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Why is Everyone Offering 100% Financing? What's the Deal? Fact or Fiction?

Sun, 20 Jul 2008 16:09:05 -0500

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THESE ARE CHALLENGING TIMES. TO SUCCEED,

IT'S A MATTER OF "WHO" YOU KNOW

It is true. Times are tough. There are the many who promote they can do the "deal" at 100% LTV. Now, I'm talking about commercial loans here. Common sense tells you there are no financing products out there that can secure you a commercial mortgage at 100% LTV. Period! It simply does not exist. Don't be fooled by those folks who tell you to put 10-15% down in an escrow account and they will secure you all the financing you want. Do you really believe that? If you do, then it's time to sell you land in Florida!

The commercial mortgage market has basically remained the same for many years. You must always put some of your own equity into the deal yourself. About the only thing that has changed are the LTV approvals have been reduced, downpayment funds may need to be seasoned, and most lenders are ordering their own appraisals. Of course, the property must cash flow and have a good DSCR.

I believe the marketing people promote 100% financing because it is an "attention getter". I got yours, didn't I? So where do you separate truth from fiction? Who is blowing smoke in your face? That is the $10,000 question. The purpose of my blog here is to help clear the air once and for all. I am presuming you have reviewed my site to a certain extent and have managed to extrapolate what we're all about. If not, please go back and read my site some more. It is there to educate you. Open your eyes ladies and gentlemen to the new school of thinking. The new way of doing business. The only way of doing business if of course, you're a little short on dinero.

My company has developed the only true 100% LTV financing product on the market today. Well, it is not a miracle pill for all cases, but should fit the bill for the ones that do qualify for the EquiFund Program. The solution is simple. The property needs to have a strong "equity" position to equal the amount of equity capital you need in order to meet the lender's downpayment requirements. Don't worry! We're there with you from start to finish insuring you make it to the closing table. Just listen, follow our advice and protocols, use our consultants and you will be okay.

Bancofino originates the primary mortgage loan to a participating EquiFund Lender. The package will be prepared well with all relevant information the lender needs to issue a LOI. Keep in mind, a well drafted purchase contract is the key element to securing seller acceptance. It takes quite a bit of time, money and energy to get to this point. Do not rush and don't be trigger happy just to submit a deal.  It's your earnest money on the line and protect it wisely. I have seen many deals go south because buyers have miscalculated the targeted value of the property or received reduced LTV approvals forcing them to bring additional funds to the table, money they do not have.  Take your time investors! Patience is a virtue.

Okay, so you went through the all the hoops and motions as instructed and followed all protocols as noted. Now what? The result is you will be submitting an offer to the seller that encompasses the equity needed for your EquiFunds that is supported by an appraisal. The seller does not lose money by participating in the Program and usually accepts the offer. Remember, educating all parties to the transaction about the EquiFund Program is crucial to a successful closing. There you have it folks. Bancofino originates the primary loan and Federal Funding funds the difference with equity that equals 100% financing. Contact me if you need to get started with the Program. I welcome your business!

Richard David

Federal Funding, LLC

Dallas, Texas

New York, New York

richard@equifund.us

Commercial Investment Advisors • Loan Originators • Equity Lenders

www.equifund.us

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Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

We are Looking for DIRECT Commercial Lenders - No Brokers Please!

Thu, 17 Jul 2008 15:29:17 -0500

_______________________________________________________________
COMMERCIAL LENDERS NEEDED!

WE NEED YOU TO CLOSE MORE DEALS!

Federal Funding, the creator of the 100% LTV financing program with EquiFunds is expanding its network of participating EquiFund Lenders. We are seeking lenders of all types who can provide conventional loans, hard money loans and business loans to our EquiFund Investors. Our definition of a LENDER is an entity that actually underwrites, approves and funds a loan from either a pool of existing private money capital where the lender is in full control of said funds or from its own warehouse line of credit. Please! No brokers.

EquiFund Lenders must be reasonable with their fees. High fees, miscellenaous fees, junk fees and advance fees are not good signs of a fair lender and will not be considered for working with our EquiFund Investors. Please forward rate sheets and underwriting guidelines to better describe your specialty so we can properly match you with the right EquiFund Investors. All loans are originated by Bancofino to that particular EquiFund Lender.

EquiFund Investors are qualified individuals whom've invested in the EquiFund Calculator, purchased their EquiFund bank accounts, received training on the EquiFund Program and will be utilizing the services of both the FedFunds Consultant and FedFunds Appraiser. These consultants will guide them through the complex process of selecting the RIGHT property eligible for the EquiFund Program. The end result is a streamlined transaction leading up to a successful closing. We look forward to your responses and establishing a long term mutual business relationship. Visit my site for more information at http://www.equifund.us

Richard David

Federal Funding, LLC

Dallas, Texas

New York, New York

mailto:richard@equifund.us

Commercial Equity Lenders • Loan Originators • Investment Advisors

www.equifund.us

Let us hear you. Please vote below. Thank you!

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Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Mortgage/Real Estate Coaches! • Teach Equity Financing Earning Residual Income!

Wed, 16 Jul 2008 13:19:21 -0500

_______________________________________________________________

Trainers, Teachers, Consultants and Coaches

Teach Equity Financing for 100% LTV Loans • Earn Residual Income!

Federal Funding, the creator of the 100% LTV financing program with equity financing, will soon be introducing it's latest product. It is called the EquiFund Trainer Program. What is that? Only select individuals experienced in teaching and training real estate investors in a classroom or seminar environment will be selected to teach the principles of the EquiFund Program.

EquiFund Trainers will be trained on how to use the EquiFund Calculator and related commercial financing software.  Bancofino's 100% LTV product and how it is structured to work seamlessly with the EquiFund Program will be the core focus of the teachings. Once a trainer is taught on the EquiFund and Bancofino methodology, they will in turn either develop their own teaching programs based on our principles or incorporate them into their existing programs.

Professionals who invest their time and money into the Program will earn the right to share the profits generated by the company on an ongoing basis. Federal Funding will offer EquiFund Trainers the ability to continually earn residual income generated by their attending students who participate in the EquiFund Program. This program has never been offered before and has received much fanfare. You now will be able to earn commissions from the sale of our proprietary software programs, loan originations, equity fundings, EquiFund bank account and software renewals from students who remain active in the Program. EquiFund Trainers will have a vested interest in their students insuring their success and profits. It's like having your very own life long mentor!

This is a limited time offer for a once in a lifetime opportunity! The Company may rescind this offer or change it at any time without any advance notice given. Be wise and invest your time in the world of equity training for equity financing is rapidly becoming a mainstream product in today's everchanging real estate market. We look forward to you joining our Team of EquiFund Trainers. Visit my site for more information at http://www.equifund.us/.

Richard David

Federal Funding, LLC

Dallas, Texas

New York, New York

mailto:richard@equifund.us

Commercial Equity Lender • Loan Originators • Investment Advisors

www.equifund.us

Let us hear you. Please vote below. Thank you!

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Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Introduction to the Concept of Commercial Downpayment Assistance (CDPA)

Wed, 09 Jul 2008 10:41:36 -0500

___________________________________________________________________________________________________

Hi,

My name is Richard David with Federal Funding. We are a commercial investment advisor based out of Dallas, Texas. We provide nationwide funding of DPA (downpayment assistance) to buyers of commercial properties and businesses with or without real estate. There are no middle men or intermediaries involved. You are dealing direct with the funding source on each project needing DPA funding. I created this special group to educate investors on how to purchase real estate with our program. This program is not a miracle pill for everyone out there who needs DPA. There are many factors involved that must be inherent with the property and seller for Program acceptance.

My company is the only source for large dollar DPA fundings. There are no other entities providing DPA of this magnitude in the market place. We are the market leader in this industry with just under $78MIL of fundings last year on real estate valued at $800MIL. We've created a DPA model that is highly efficient and very successful in today's ever changing real estate climate. The FedFunds DPA Program is complex and requires mandatory training along with investing in the DPA Calculator in order to understand the process. We strive to educate investors the proper way of purchasing real property when utilizing DPA as a tool for their downpayment needs.

How do you use CDPA (commercial downpayment assistance) to acquire property? It is easier said than done I can assure you of this. We average several hundred emails per day with just about the same amount of calls all asking the same question. "How can we use your program to buy this property or business? Our website as extensive as it is describes the various products and services we offer with detailed explanations for each one and it still is not enough to satisfy peoples appetite for more information. It seems there is a certain segment of the population that needs to hear a "human" voice to see the "light". We'll touch on the latter on another posting.

What next for an investor to move forward with the Program? Before you fly off your seat with enthusiasm and fire off a call or email us, please take the time to review the information we have posted on our website and digest the procedures carefully for as they say, you must have all of your ducks in a row before you see closing day. Trust me, we are experts in this business and know what we are doing. We offer you the tools, training and consultants to help you crunch the numbers and evaluate the property before you invest in appraisals, inspections, etc. We are here to help you, but please remember a few things. Patience is a virtue. Your time will come. If you wanna play this game of real estate investing, you gotta pay the Piper. There are certain costs associated with securing a commercial loan and funding of the DPA. Please follow our protocols and you will be on tierra firma (firm ground). We look forward to your input and happy investing!

Regards,

Richard David

FEDERAL FUNDING

richard@fedfund.us

FOR MORE INFORMATION ABOUT OUR SERVICES, VISIT OUR SITE AT WWW.FEDFUND.US

Commercial Investment Advisors • Loan Originators • Lenders • DPA Providers

Copyright 2008 © Federal Funding. All Rights Reserved

What is Equity Financing?

Tue, 08 Jul 2008 10:34:54 -0500

_______________________________________________________________

WHAT IS EQUITY FINANCING?

The EquiFund Program is a taxable grant program. Equity capital is provided to buyers purchasing a business, commercial or residential property. Equity from the seller's business or property is converted into cash given to the buyer for downpayment funds. The available amount of equity is the difference between the seller's final gross sales price and the buyer's purchase price at maximum appraised value as determined by a certified appraiser.

Buyers participating in the EquiFund Program will receive a 1099 at the end of the year and must record it as "miscellaneous income" on their tax records. It is recommended to consult with a tax advisor for details. The EquiFund Program is not a loan. There are no liens, seller seconds or promissory notes executed. This is an innovative program designed to benefit buyers and sellers with a successful business transaction.

For additional information, send your inquiry to equifunds@fedfund.us

FOR MORE INFORMATION, PLEASE VISIT OUR WEBSITE AT WWW.FEDFUND.US

Commercial Investment Advisors • Loan Originators • Equity Lenders

www.fedfund.us

Let us hear you. Please vote below. Thank you!

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Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Do You Wanna Make Money in Real Estate Using Equity? - Really?

Mon, 07 Jul 2008 10:55:13 -0500

_______________________________________________________________

INVESTOR EQUITY FINANCING

100% FINANCING!

DO YOU LOVE MONEY?
DO YOU WANNA MAKE MORE MONEY?
DO YOU WANNA USE EQUITY?

If you've answered to all of the above, then you definitely are a investor ready and able to make real money in todays real estate market. Now is the time to decide and execute. Read the below and take action!

AS AN EQUIFUND INVESTOR YOU CAN DO THE FOLLOWING:

Purchase ANY property at 100% LTV.

Minimize your out of pocket expenditures by using equity as your equity capital tool.

Purchase property at full appraised value using equity and retain property values in the area for later resale.

Use your purchase with EquiFunds as your best comp.

Retain allocated funds for downpayment and use for renovation, note servicing, etc.

Purchase unlimited properties, businesses and franchises using EquiFunds as your tool of choice.

Secure 100% financing through Bancofino on all programs.

Apply for EquiCash and get cash back after closing for debt retirement, other investments, etc.

Create a massive portfolio of income producing properties and businesses insuring your long term financial security.

Invest your time wisely. A substantial amount of your time, resources and money is spent on researching properties and or businesses that may possess the necessary amount of equity needed for you to acquire with NO MONEY DOWN. Therefore, harness the power and intelligence you have as an accredited FedFunds investor by investing in our exclusive and proprietary EquiFund Calculator designed to optimize time invested in your search for the perfect acquisition.

Using our highly advanced investment tools, you will quickly ascertain in seconds which properties qualify for the Program enabling you to quickly focus on the ideal investment. Invest in this powerful tool today!

Deluxe EquiFund Calculator: $895

Purchase your copy at calculator@fedsoft.biz. Calculators in Spanish and international languages available upon request.

For more information about the EquiFund Investor Program, send email to equifund investor@equifund.us

Commercial Equity Lender • Loan Originators • Investment Advisors

www.equifund.us

Let us hear you. Please vote below. Thank you!

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Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

The Most Commonly Asked Questions When Purchasing Investment Property at 100% LTV

Mon, 07 Jul 2008 09:50:28 -0500

_______________________________________________________________

INVESTOR'S FAQ

THE MOST COMMONLY ASKED QUESTIONS

Q: I am a serious investor. How do I get started?
A: Invest in the Deluxe EquiFund Calculator and sign up for training.

Q: Why do I need the EquiFund Calculator and training?
A: Our tools, training and education are required for Program participation. A clear understanding of our protocols are the key elements to a successful outcome.

Q: When do I purchase my EquiFund bank account?
A: As soon as possible for it will be used by Bancofino to get you approved for your mortgage loan. It is your own account that is funded prior to closing.

Q: What purpose do the FedFunds Consultant and FedFunds Appraiser serve?
A: They insure the targeted property meets standard underwriting guidelines for loan approval and the appraised value is as estimated by the investor.

Q: Do I have to use your Consultants?
A: No. You can perform your own due diligence on the property at your own risk and cost.

Q: What are the most common factors a transaction fails to close?
A: The investor miscalculates the appraised value of the property and cannot cure the deficiency as needed to close the deal. LTV reductions by the lender require the buyer to bring additional funds to closing. Using the EquiFund Calculator would have prevented these issues.

Q: Why must I use an EquiFund Realtor to submit a deal?
A: EquiFund Realtors are trained licensed real estate agents experienced in the submission of purchase contracts involving equity financing. They are not required for principal to principal transactions.

Q: Do I have to use Bancofino to originate my loan request?
A: No. You can use your favorite commercial loan officer as soon as they are trained by our EquiFund Instructors. A 1% loan origination fee must be paid in advance prior to funding if an external mortgage company or lender is used. Using Bancofino services insures a smooth transaction from start to finish. It's your choice.

Q: Do I have a good chance in becoming a successful EquiFund Investor?
A: It depends on you. If you have decent credit, a healthy acquisition budget and utilize the services we offer you, then the possibilities are there for you. Keep in mind, always be realistic and prepared for your investment strategy. Listen to the experts!

Q: How does your program compare to other companies providing similar services?
A: We are unique and competitive. Shop around and see for yourself. There are organizations that require you to pay hefty upfront fees with no guarantees of success. Others require you to travel and attend college classes at costs that far exceed a working man's budget. You will find our model to be economical, educational and straight forward with the services we provide you. We offer you proprietary tools and training you need with loan origination services and equity financing as a complete package.

JOIN US TODAY AND EXPERIENCE SUCCESS!

Commercial Equity Lender • Loan Originators • Investment Advisors

www.equifund.us

Let us hear you. Please vote below. Thank you!

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Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

What Are The Costs Involved to Secure a 100% LTV Commercial Loan?

Mon, 07 Jul 2008 09:11:06 -0500

_______________________________________________________________

WHAT ARE THE COSTS TO GET
A COMMERCIAL LOAN?

When purchasing commercial property, an investor should always set aside an acquistion budget for initial and preliminary out of pocket expenses. There are advance fees associated with the origination of a commercial loan along with the setup costs of participating in the EquiFund Program. It is wise to be cognizant of these expenditures in order to prevent any delays with your loan and EquiFund request. Below is a general list of fee based services exclusive of title, lender and broker charges associated with securing a loan commitment and equity financing. Please see below. Not all services or fees may apply.

Loan application fee.

Appraisal.

Phase I environmental inspection.

Survey.

Escrow deposit.

Legal fees.

Lender good faith deposit.

Extended rate locks.

EquiFund bank accounts for both parties.

EquiFund Calculator license & training.

FedFunds Consultant fees.

FedFunds Appraiser fees.

Commitment fee for non-Bancofino originated loans.

If you wish for Bancofino and Federal Funding to originate your loan and fund you equity capital, then send your inquiry to loanrequest@equifund.us We welcome your business!

Commercial Investment Advisors • Loan Originators • Equity Lenders

www.equifund.us

Let us hear you. Please vote below. Thank you!

Web Poll Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us

Can I Get 100% Financing?

Mon, 07 Jul 2008 08:55:21 -0500

_______________________________________________________________

CAN I GET 100% FINANCING?

YES! THE PROCESS IS SIMPLE

Purchase an EquiFund bank account.

Apply for a loan with Bancofino.

Sign up for EquiFund training.

Complete your EquiFund documents.

Confirm property equity.

Use EquiFund Calculator to verify results.

Sign loan documents, EquiFund documents and close your loan.

All transactions must close with a participating PSA. (Preferred Settlement Agent) An EquiFund Realtor must represent the buyer when the seller is represented by a listing agent. It is important to follow protocol at all times for a smooth transaction.

Please note not all transactions result in 100% financing. This is entirely predicated on the property's equity position. You may receive less than the desired amount of financing, but more than what you can get otherwise. Perform your due diligence carefully before submitting you loan request. It is highly recommended to sign up for Equind training.

For more information about the 100% LTV Program, send email to loanequity@fedfund.us

Commercial Investment Advisors • Loan Originators • Equity Lenders

www.equifund.us

Let us hear you. Please vote below. Thank you!

Poll Software Powered By WebsiteGear: Requires newer web browser to view.
Copyright 2008 © Federal Funding, LLC • All Rights Reserved

Promote the EquiFund, EquiCash and Bancofino 100% LTV programs and earn commission! Join the EquiFund Affiliate Program, choose your category, schedule your training and kick start your career! Use our advertising banners and add them to your website, blogs and email campaigns. Watch your sales grow! We look forward to you becoming an EquiFund Affiliate. For more information, send email to affiliate@equifund.us