Presented by,Christine Perkins,Business Development Manager. Cove Mortgage Ltd,Unless you try something beyond what. you have already mastered you will not,grow Ronald E Osborn. 2 We are delivering EASY lending solutions,Private Lending Made Easy. A 5 Step Guide,How to master a private lending deal. Cove s making it easy for you,1 Know Your Lender,2 Know Your Client. 3 Present a Solution not the Best Rate,4 Understanding Fees. 5 The Exit Strategy,3 We are delivering EASY lending solutions. Know Your Lender,Introduction to Cove Mortgage, Cove Mortgage Ltd is one the largest and most respected private MIC lenders in. British Columbia offering alternative financing solutions outside of the traditional. bank lenders, Established in 1976 Cove has helped countless homeowners in BC with 1st 2nd. and 3rd mortgage solutions on nearly every property type from 20k up to 2 million. Cove has over 100 million in private funds available to lend on nearly every. property type in BC from our two Mortgage Investments Corporations and private. Our focus is to mortgage marketable average priced residential real estate. throughout BC,4 We are delivering EASY lending solutions. 1 Know Your Lender, Why Cove Should Be Your First Choice For Private Mortgage Financing. 1 FULLY OPEN MORTGAGE TERMS NO ADDITIONAL FEE,2 NO INCOME QUALIFIED. Available up to 75 LTV in Metro Vancouver and Greater Victoria. Available up to 65 LTV in Kamloops Kelowna Vernon and Penticton. Reasonable credit,3 HIGHER LTV S THAN OUR COMPETITORS. Cove can lend as high as 80 LTV on strong files in our preferred lending areas on 2nd mortgages In a. situation where an appraisal comes in low Cove may save a file that our competitors who max out at. 75 LTV cannot, 4 CREATIVE MORTGAGE SOLUTIONS CONSIDERED ALL ACROSS BC. We offer creative mortgage solutions across BC not ignoring the smaller towns for deals that make sense. Cove s major focus is on the Metro Vancouver and Greater Victoria areas our preferred lending areas for. our best rates,5 We are delivering EASY lending solutions. 1 Know Your Lender, Why Cove Should Be Your First Choice For Private Mortgage Financing cont. 5 PROPERTIES, We are able to finance many more property types that may not fit the more restrictive lending criteria of the B. Property Types Single family residential townhouses condo apartments rentals inter alia small commercial bridge. financing serviced lots recreational co ops leasehold interest. 6 RENEWALS, As long as the mortgage is paid as agreed Cove will renew. 7 WHAT WE OFFER,Creative make sense lending,Experienced underwriting team. Flexible mortgage terms and conditions, Response within 4 business hours and a commitment within 24 hours. 2 MIC s with access to private lenders who work directly with Cove. BDM available to assist you to structure your file before submission and to assist with the closing as required. 6 We are delivering EASY lending solutions,1 Know Your Lender. Due Diligence with Lenders, Make sure the private lender is registered on FICOM. http www fic gov bc ca FICOMListings MBSMListing aspx. Cove Mortgage and the major private lenders are registered MIC s and. members of the British Columbia MIC Managers Association. http www bcmma org,Cove is also a member of CAAMP the MBABC. 7 We are delivering EASY lending solutions,1 Know Your Lender. Due Diligence with Programs,The Case For Private B Lenders Versus Privates. There is a lot of marketing promotions of B Sub Prime Programs to Brokers. Did you know they are not always cheaper than private mortgage financing. B Sub Prime Lender 1st Mortgage, 4 99 P I Amortized over 30 years Closed One Year Term. 500 000 mortgage at 65 LTV in Metro Vancouver on a house or townhouse. Monthly Payments 2 665 47 CLOSED,Private Lender Cove 1st Mortgage. 5 95 Interest Only compounded monthly Open One Year Term. 500 000 mortgage at 65 LTV in Metro Vancouver on a house or townhouse. Monthly Payments 2479 17 OPEN,186 30 per month cheaper and OPEN. 8 We are delivering EASY lending solutions,2 Know Your Client. Verify their identity due diligence,9 We are delivering EASY lending solutions. 2 Know Your Client, Know the real reason your client is coming to you for funding. No one comes to you wanting a private mortgage,What do they really want. Reduce monthly payments to improve cash flow,Fast closing on purchase. Pay tax arrears,Bridge financing, Improve credit to allow for refinance of their first mortgage. Divorce situation,Rental properties,Unique property type. Over seas investors,Access equity in their home for an investment. 10 We are delivering EASY lending solutions,2 Know Your Client. Knowing your clients specific reason for obtaining. financing will make presenting a solution that much easier. 11 We are delivering EASY lending solutions,3 Present A Solution. Not The Best Rate,Two Biggest Mistakes Mortgage Brokers Make. FIRST MISTAKE, New brokers promise their client best bank rates without getting all the. information upfront, Do not discuss best bank rates or establish unrealistic expectations with your client. until you ve obtained all the information on the deal. Make sure you know the entire STORY of why your client came to you to obtain. financing No one comes to you wanting private financing This will help you close the. deal later on,GET THE STORY GET THE DEAL, If the file is not bankable then introduce your client to private lending before. presenting a private lending solution,12 We are delivering EASY lending solutions. 3 Present A Solution,Not The Best Rate, Introduce Your Client To Private Mortgages A Point by Point Approach. 1 Background,2 Challenges, 3 Benefits Presenting The Solution You Already Have The Story. 4 Short Term Solution,5 Limited Funds Limited Time Frame. Whenever possible try and do this face to face to build credibility with your. 13 We are delivering EASY lending solutions,14 We are delivering EASY lending solutions. Present A Solution,Not The Best Rate, Introduce Your Client To Private Mortgages A Point by Point Approach. Background, Explain to the client all of the work and research you have done to. obtain a financing solution,15 We are delivering EASY lending solutions.
and Tommy Emmanuel. He used the alternating-bass style pioneered by early blues and ragtime guitarists, creating arrangements that had bass lines, harmony, and melody played at the same time. Sometimes this style of picking is referred to by his name. The patterns you learned in the previous lesson have separate notes on every eighth-note beat ...
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Corporate Tax Incentives and FDI in Developing Countries Maria R. Andersen, Benjamin R. Kett, and Erik von Uexkull P olicy makers in developing countries often find themselves in a dilemma over the use of tax incentives to attract foreign direct investment (FDI). They would likely prefer that no country offer tax incen-