We ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25!

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1 THE MLS BROKER CARAVAN TUESDAY, JULY 28, 2015 A1 We ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25! Mary Bension Co-Owner & Escrow Manager Mireya Roudenko Sr. Escrow Officer Michael Farfel Escrow Officer Kilita Smith Sr. Escrow Officer Luz Lopez Escrow Officer Beth L. Peerce Co-Owner The Independent Escrow Company with the Best Service in Town 9454 Wilshire Boulevard Suite 901 Beverly Hills, California (310)

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4 A4 TUESDAY, JULY 28, 2015 THE MLS BROKER CARAVAN Mark Cohen #1 ORIGINATOR NATIONWIDE 2014 We close more deals even the toughest ones. Mark Cohen, Broker BRE#: NMLS#: markcohen@cohenfi nancialgroup.com Seth Cohen, Broker BRE#: NMLS#: seth@cohenfi nancialgroup.com Cohen Financial Group s flexible lending products and proprietary banking resources have helped Mark Cohen open more doors as the #1originator in the country.* From self-employed borrowers who have difficulty showing income to high-net worth borrowers wanting to use assets and income to repay a mortgage, we have the lending solutions our partners need to close more deals. We handle each client s situation with a unique, personalized approach, and when it comes to getting the right loan at the right rate for our client, we will do whatever it takes. With over $10 billion funded and over 18,000 loans closed we will find a way, even on the toughest deals. 671 Loans 2014 Production $644,912, Purchase Loans 216 Refinance Introducing: Sasan Abrams sabrams@cohenfinancialgroup.com BRE NMLS Originator Specializing in Multi-Family & New Development cohenfi nancialgroup.com P F Preferred lending partner for: 9595 Wilshire Blvd., Suite 801, Beverly Hills, CA *By dollar volume in 2014, Scotsman Guide, April Cohen Financial Group, a division of CS Financial Inc. All Rights Reserved. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS#

5 THE MLS BROKER CARAVAN TUESDAY, JULY 28, 2015 A5 Game-changing deals. Done. Australian Citizen, No US Income $780K sales price, 20% down West LA No US tax returns, no paystubs. Used an employment contract from Australia in order to derive an income. Client had some US credit. No Tax Returns $1.1M sales price, 20% down payment West Hollywood 12 months bank statements used to qualify, no tax returns needed. 1 Year Tax Returns $1.35M sales price, 20% down payment Hollywood Hills 1 year tax returns, YTD P&L used to qualify. Short Sale $600K purchase price, 20% down payment, condo Long Beach Client had a short sale within the last 12 months. Condo: Only 43% owner occupied $1.05M 20% down, condo Santa Monica Only 43% owner occupied. Condo project approved based on the financial strength of the borrower. High LTV Jumbo $1.9M Sales price, 15% down West LA 85% LTV; 80% 1 st and 5% HELOC Gift Funds /Co-signers $2.5M purchase price, 20% down West LA Entire down payment came from gift funds. Clients are young doctors and needed a co-borrower. Super Jumbo High LTV $15M sales price, 30% down Los Angeles High loan to value, turned down by multiple major banks. Income Structure Change $1M sales price, 20% down Miracle Mile Client went from being a salary employee to commission wage earner. Demonstrated historically strong income for the client. Actual closing times may vary based on individual borrower qualifi cations and loan terms. Certain guidelines apply. Some products offered by Cohen Financial Group may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. LTVs based on appraised value. Rates, programs and APRs subject to change at anytime without prior notice. See broker for complete details. Not all applicants will qualify. Cohen Financial Group is a division of CS Financial, Inc., a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS# EQUAL HOUSING LENDER

6 A6 TUESDAY, JULY 28, 2015 THE MLS BROKER CARAVAN YOUR LENDING PARTNER, EVERY STEP OF THE WAY. Community Banking Service with Big-Bank Tools. BANC HOME LOANS, a division of Banc of California N.A., (NYSE: BANC) has provided home loans to borrowers throughout California and across the West since We combine the speed and agility of a decentralized mortgage lender, with the expertise and resources of a tier-one bank and our complete selection of portfolio lending products offer More Ways To Say YES! to your buyers Loan Production Offices 30 DAYS OR LESS AVERAGE CLOSE TIME B 2014 Home Loan Volume (in billions) 2.8B We asked over 2,500 Banc Home Loans clients to provide their feedback and the results are unanimously positive: 91% 96% give us the Service Rating of Excellent* indicated they would refer or recommend us to friends or family * FLEXIBLE PORTFOLIO LENDING Non-QM Experts Alternative Documentation 1-Year Tax Return 12-Months Bank Statements Asset Depletion Expanded Criteria (Second Chance) Programs: FICOs to 620* I/O Options Available on Most Programs *on exception only CONVENTIONAL LENDING Conventional Conforming ( Agency ) Agency High Balance Jumbo/Non-conforming Jumbo Conduits FHA, VA, CalHFA, USDA Renovation Lending: 203(k), HomeStyle, Construction Lending Home Equity Line of Credit (HELOC) Reverse Mortgages Niche Products A DIVISION OF BANC OF CALIFORNIA banchomeloans.com/branch/beverly-hills *Third-party survey representing 2,542 client responses over a 365-day period, April 2014 to April Banc of California, National Association, dba Banc Home Loans. All rights reserved. Not all applicants will qualify. Some products offered by Banc Home Loans include modifi ed documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your Loan Offi cer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APR s and programs are subject to change at any time until locked-in. NMLS # EQUAL OPPORTUNITY LENDER MEMBER FDIC

7 THE MLS BROKER CARAVAN TUESDAY, JULY 28, 2015 A7 WE HAVE MORE WAYS TO SAY YES! Beverly Hills Office CRAIG FILSON Division Manager NMLS: JESSICA AUBUCHON Senior Loan Offi cer NMLS: JAMES BRIDGES Senior Loan Offi cer NMLS: JOCELYN DE GUZMAN Senior Loan Offi cer NMLS: KELSEY FOSTER Senior Loan Offi cer NMLS: WESLEY JOHNSON Senior Loan Offi cer NMLS: GEORGE KORZ Senior Loan Offi cer NMLS: MARIO PINEDO Senior Loan Offi cer NMLS: NICHOLAS SHARP Senior Loan Offi cer NMLS: CORT WAGNER Senior Loan Offi cer NMLS: CALL OR ANY ONE OF OUR LOAN OFFICERS TODAY TO DISCOVER HOW WE CAN HELP MAKE THE HOME LOAN PROCESS EASIER FOR YOUR CLIENTS ONE THAT WILL RESULT IN A POSITIVE EXPERIENCE THEY LL TELL THEIR FRIENDS AND FAMILY ABOUT. A DIVISION OF BANC OF CALIFORNIA banchomeloans.com/branch/beverly-hills 2015 Banc of California, National Association, dba Banc Home Loans. All rights reserved. Not all applicants will qualify. Some products offered by Banc Home Loans include modifi ed documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your Loan Offi cer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APR s and programs are subject to change at any time until locked-in. NMLS # EQUAL OPPORTUNITY LENDER MEMBER FDIC

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10 A10 TUESDAY, JULY 28, 2015 THE MLS BROKER CARAVAN HAVING TEAM WHO A IS COMMITTED Allen McLain NMLS# (310) SUCCESS MAKES TO YOUR ALL THE DIFFERENCE. Rochelle Ibarra NMLS# (310) Whenever I need to get a deal closed quickly, I ALWAYS CALL FIRST CAPITAL and they always get the job done. ~ Delphine Mann Coldwell Banker Previews International Jeremy Altervain NMLS# (310) Brandon Richman NMLS# (310) Simon Atik NMLS# Amy Lustig NMLS# (310) (818) At First Capital, our loan officers are dedicated to earning your business by providing customized financing options to meet your unique needs. They work hand in hand with your real estate agent to ensure that you are making the best choices for your financial goals. We only partner with Top Real Estate companies and you. LOCAL LENDING LOCAL DECISIONS LOCAL PEOPLE FirstCapitalmtg.com RMR Financial, LLC d/b/a First Capital, Lark Avenue, Los Gatos, CA NMLS ID #49456 ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. This is not a commitment to lend. Loan programs, rates and terms subject to change without notice and are subject to property and credit approval. For informational purposes only. Restrictions may apply. Your real estate professional is not a mortgage lender. Please contact your Loan Officer for information about mortgage products and your eligibility for home financing. July Ad.indd 1 7/22/15 2:14 PM

11 THE WORLD S FIRST DIGITAL MORTGAGE YOUR BUSINESS. ONLINE. ANYTIME. ANYWHERE. Instant AUS Approvals Easy Document Uploads Digitally Sign 1003 and Disclosures Free Tri-Merge Credit Scores We ve built the industry s most efficient technology so you can be the industry s most efficient originator. Be a rainmaker. Double your business. Contact us today to learn more Wilshire Blvd, Ste 350 Los Angeles, CA James Elliott Senior Vice President, Divisional Manager (310) James.Elliott@guaranteedrate.com guaranteedrate.com/calosangeles Guaranteed Rate is an Equal Opportunity Employer James Elliott NMLS ID: CA - CA-DOC NMLS ID #2611 (Nationwide Mortgage Licensing System CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #

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14 BRAVOELLIMAN DOUGLAS ELLIMAN CONGRATULATES JOSH ALTMAN ON THE LAUNCH OF HIS BOOK AVAILABLE NOW FOR PRE-ORDER AT ELLIMAN.COM/CALIFORNIA 2015 DOUGLAS ELLIMAN REAL ESTATE. EQUAL HOUSING OPPORTUNITY.

15 JOINELLIMAN OUR MARKETING TEAM IS EXPANDING! WE ARE SEEKING CREATIVE TALENT TO WORK WITH OUR AGENTS AND GROW OUR INNOVATIVE BRAND. IF INTERESTED, PLEASE CONTACT Our agents fi nd the best homes for our clients. Now we re building the best home for our agents. With 80 offi ces and 5,700 agents nationwide plus the international scale and scope of Knight Frank Residential, the world s largest independent property consultancy, the Douglas Elliman network reaches across 55 countries and 6 continents to connect with the world s most desirable customers. WEST COAST HEADQUARTERS OPENING FALL El Camino Drive Beverly Hills ELLIMAN.COM

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18 Join us for music, cocktails and the announcement of nominees for the FIRST ANNUAL WILL ROGERS AWARDS benefitting the City of Beverly Hills Community Charitable Foundation and celebrating those special members of the community who Step Up. 6-8pm Wednesday, July 29 Spaghettini & The Dave Koz Lounge - Beverly Hills 184 North Canon Drive Hosted by Mayor Julian Gold & FOBGP Program Chairs Deborah Frank, Franny Rennie, Annette Saleh Kindly RSVP at or gaby@dominorealty.com REAL ESTATE LIFETIME ACHIEVEMENT REAL ESTATE ROOKIE OF THE YEAR BEST NEW COMMERCIAL DEVELOPMENT BEST HISTORIC COMMERCIAL DEVELOPMENT BEST NEW RETAIL BUSINESS BEST HISTORIC RETAIL BUSINESS BEST NEW RESTAURANT BEST HISTORIC RESTAURANT BEST NEW RESIDENTIAL CONSTRUCTION BEST HISTORIC RESIDENTIAL RESTORATION info@willrogersawards.org 9990 S. Santa Monica Blvd, Beverly Hills CA 90212

19 THE MLS BROKER CARAVAN TUESDAY, JULY 28, 2015 A19 AS SEEN IN THE No Tax Return Loans * Foreign National Loans From $500K to $25 million. Self Employed & Real Estate Investor OK Purchase, Rate and Term and Cash-out 30-Day Close! % % APR 3/1 Adjustable Rate Mortgage $500,000 - $4,500,000 60% LTV 1st Lien Loans % % APR 5/1 Adjustable Rate Mortgage $500,000 - $4,500,000 60% LTV 1st Lien Loans Sampling of rates as of July 22, 2015 Irrevocable Trust, Blind Trust, & LLC Vesting OK. Purchase or Refinance. Business Funds Allowed. CHRIS FURIE BRE NMLS chris@insigniamortgage.com #6 NATIONALLY RANKED MORTGAGE BROKER PER SCOTSMAN GUIDE DAMON GERMANIDES BRE NMLS damon@insigniamortgage.com #32 NATIONALLY RANKED MORTGAGE BROKER PER SCOTSMAN GUIDE 9595 Wilshire Blvd., #205, Beverly Hills, CA Insignia Mortgage, Inc. *(1) These products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on appraised value. Actual closing times will vary based on borrower qualifications and loan terms. Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE # , NMLS # (2) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (3) Loan to Cost (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal. Loan to values (LTV) are values based on a bank appraisal.

20 Top Agents by Sales Volume Named by REAL Trends DAVID OFFER Brentwood ANDREW MANNING Sherman Oaks DAN URBACH Pacific Palisades MARC & RORY SHEVIN Calabasas LARRY YOUNG & ASSOCIATES Beverly Hills 2015 An Independently owned and operated franchisee of BHH Affiliates, LLC. CalBRE# REAL Trends, Inc. annually names America s top professional individual real estate agents and agent teams. Berkshire Hathaway HomeServices California Properties is pleased to acknowledge our agents and teams who are now members of the The Thousand, a prestigious list of America s top 1,000 real estate professionals, compiled by REAL Trends and The Wall Street Journal. Real Trends is a leading source of analysis and information for the residential real estate brokerage industry. Our award-winning agents are now ranked in the top one half of 1 percent of the more than 1,100,000 licensed REALTORS nationwide. To contact these and other Berkshire Hathaway HomeServices California Properties agents, visit bhhscalifornia.com.

21 Welcome Wendy Gladson John Aaroe and Sam Kraemer, Branch Manager General Counsel are pleased to welcome Wendy Gladson to our Brentwood office. Wendy can be reached at: B E V E R LY H I L L S BRENTWOOD M A R I N A D E L R E Y D O W N T O W N S U N S E T S T R I P S H E R M A N O A K S T O L U C A L A K E PA S A D E N A

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23 Now affiliated with COLDWELL BANKER RESIDENTIAL BROKERAGE We are excited about the recent affiliation of this outstanding group of Real Estate professionals... Alan Sands Arash Kalantari Donna Manders Erin Lear Evelyn Dolphin Iral Toven Jim Corbett Joseph Gelson Kearan Mulvey Kevin Hughes Mike Waxman Richard Spracher Sam Montes Sarah Chesko Stephanie Gethers Yueh-Li Aliabadi Aimee Lane David Atmajoana Heather Scherbert Kevin Hughes Sarah Chesko Yaniv Bauman Alan Sands Debra Caprio Iral Toven Michael Telega Sean Landon Yueh-Li Aliabadi Andrea Jackson Donna Manders Janet Muradian Michael Waxman Stacy Clunies-Ross Yvette Page Andrew Gharibian Elyse Gonnello Jim Corbett Minou Juelge Stephanie Gethers Yvonne Estrada Arash Kalantari Erin Lear Joel Alpert Ounchana Firestone Stephanie Spencer- Armen Kebabchyan Evelyn Dolphin Joelle Kim Richard Brazil Jr. Tellefsen Brian Politzer Frank Tang Joseph Gelson Richard Spracher Tim Tighe Carrie Eacker Gabe Venturelli Katerina Ryndenkova Rosa White Todd Bollinger Christina Rice Hatim Zaki Kearan Mulvey Sam Montes Vida Mahrouyan For information on how to affi liate with Coldwell Banker Residential Brokerage as an independent sales associate call (877) or visit WhyCB.com Real estate agents affi liated with Coldwell Banker Residential Brokerage are independent contractor sales associates and are not employees of Coldwell Banker Residential Brokerage Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Coldwell Banker Residential Brokerage offi ce is owned by a subsidiary of NRT LLC. Coldwell Banker and the Coldwell Banker Logo, Coldwell Banker Previews International and the Coldwell Banker Previews International Logo, are registered service marks owned by Coldwell Banker Real Estate LLC.

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