 Hello from Jeff Bunin! | March 25th, Business 2 Business Informative Networking in Bloomfield, NJ. Please reply to this email to reserve your seat for this NO COST event. Capital Lending Corp in will host an informative NO COST business networking event at the Bloomfield Public Library (90 Broad St., Bloomfield, NJ) on March 25 from 7 to 9 PM.
The topic will be "Innovative Business Financing for Tough Funding Situations".
We will cover how to be an attractive funding candidate and what are the various funding options.
Light Refreshments will be served.
Please reply to this email to reserve you seat for this NO COST event or email me at: jbunin@CapitalLending.com
| | INNOVATIVE FINANCING SOLUTIONS FOR TOUGH FUNDING PROBLEMS  If you or someone you know may need to borrow funds to pay taxes, consolidate debts, acquire or refinance assets, pay off balloon mortgages, start-up or expand a business or smooth out the ups and downs of the business cycle, chances are that Capital Lending Corp. can help.
The consolidation of the banking industry and the new more challenging lending environment as evidenced by the bank failures in the sub-prime market have left borrowers with fewer financing alternatives. Now more than ever before, the remaining big banks deal in volume and if a situation does not fall into their standard now more conservative lending profile, they are not equipped to handle it. Since 1995, Capital Lending Corp. has been creating value by tailoring its approach to each client's individual circumstances. These circumstances may include: less than perfect credit, unsubstantiated income and other unique situations. CLC arranges the most appropriate financing according to the needs of our clients. Banks refer their customers to CLC because we help them keep the deposits of clients to whom they unfortunately cannot make a loan and who thus may take all their business to another bank. We are not locked into just one set of programs. Highlights of some of the available programs are listed below.
Business Financing
• Business Loans up to $100,000 with approvals within as little as 24 hours
• Franchise Financing
• Non-Profit Financing
• Loans for Account Receivables and /or Purchase Order Financing
• Equipment Loans and Leases
• Asset Based Lending
• Venture Capital
Commercial Real Estate Financing
• Loans for Land and New Construction
• Condo/Community Capital Improvements or Conversions
• Commercial Real Estate Loans with No personal Income Verification even for hard to finance properties
• Up to 90% financing
• Loans for most types of commercial real estate including the hard to finance properties..
Residential Real Estate Financing
• Aggressive FHA Programs
- Credit Score as low as 540
- Up to 60% Debt to Income Ratio
- Recent Chapter 13 Bankruptcy OK
- Up to 97.75% Loan to Value
- Up to 90 days late payments
- Financing for remodeling and repairs
- Up to 85% Cash Out Refi
- FHA Spot Approvals for Condominiums/Townhouses
• Co-op Financing
• Loans for Investment or Personal Use
• Reverse Mortgages
• No Personal Income Verification Loans for Investment Properties
Special Financing Programs
• Loans for domestic and international projects
• Non-Bankable Loans
• Bridge Loans
Needless to say there are restrictions associated with any financing program. Please contact me to discuss any financing situation.
| | ------------------------------------------------------------------------------------ | | No Personal Income Verification Loans are Back! Investment Properties Only. Stated Income, Verified Assets
(Self Employed or Business License)
LLC Ownership is permitted
Loans Up to $1 million per residence, no limit on number of properties
Competitive Rates
One to Four Families
Total Debt Payments/Income (Back-End) Ratios: up to 45%
LTV: Up to 70% for Non Owner Occupied
Credit Report with a middle score of 700+ for max loan amount, but lower scores will be considered.
Adjustable Rate Mortgages (ARM's):
3/1, 5/1, 7/1, 10/1 (Term, Years / Adjustment Period, Years)
Needless to say there are restrictions associated with any financing program.
Please contact me to discuss any financing situation.
Jeff Bunin
Senior Loan Officer
201-207-5686 cell
jbunin@CapitalLending.com
"You Can Do More with Capital"
3-6-09
-----------------------------------------------------------------------------------
| | FHA Loans – Bigger & Better New Higher Loan Limits
The American Recovery and Reinvestment Act of 2009 (Recovery Act), signed into law on February 17th, 2009, provides for new FHA Mortgage Limits, effective March 6, 2009.
The new maximum standard FHA Loan limits vary by county. Bergen, Essex, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex and Union are at the new maximum loan limits which are as follows:
New 2009 FHA Maximum Loan Limits
1-Family $ 729.750
2-Family $ 934,200
3-Family $ 1,129,250
4-Family $ 1,403,400
LTV: (Loan to Value):
Purchase: 96.5%,
Rate & Term Refi: 97.75%,
Cash Out Refi: 85%
Credit: Must have a credit report with a 620+ middle score (maybe 580+) and No Bankruptcy in last 4 years.
Debt/Income Ratios: Up to 60% is available
Needless to say there are restrictions associated with any financing program.
Please contact me to discuss any financing situation.
Jeff Bunin
Senior Loan Officer
201-207-5686 cell
jbunin@CapitalLending.com
"You Can Do More with Capital"
3-19-09
------------------------------------------------------------------------------------
| | Reverse Mortgages – Bigger & Better New Higher Mortgage Limits - $ 625,000 – Purchase or Refi
House (1 to 4 Fam.), Condo or Co-Op
Benefits
No income verification
No assets needed
No credit record needed
No personal guarantees
If property value drops, you DON'T pay
NO MONTHLY MORTGAGE PAYMENTS – EVER
Qualifications
62 or older (Everyone on the Deed)
Own the home you live in
Live there at least 6 months a year
US Citizen or a Permanent Resident
Completed a counseling session by a HUD approved HECM counselor
Safety
Federally Insured and Closely Regulated
Reverse Mortgages are endorsed by HUD and the AARP
As Reverse Mortgage Specialists and as a Mortgage Banker Licensed by the NJ Department of Banking & Insurance, we are subject to a strict code of ethics.
Needless to say there are restrictions associated with any financing program.
Please contact me to discuss any financing situation.
Jeff Bunin
Senior Loan Officer
201-207-5686 cell
jbunin@CapitalLending.com
"You Can Do More with Capital"
3-6-09
------------------------------------------------------------------------------------ | | Freddie Mac Weekly Primary Mortgage Market Survey.
This is the best information on residential mortgage rates across the country for the past week for the most credit worthy borrowers. When on the website, click on the date you are interested in and more detailed information will appear.
| | Federal Reserve Daily Update on Interest Rates.
The Federal Reserve is the central bank of the USA and the primary source of information on most business and investment interest rates and other economic information.
------------------------------------------------------------------------------------ | | Message to AOL & MS OUTLOOK Users Please add
Jeffrey_H._Bunin@mail.vresp.com
to your to your AOL and/or MS OUTLOOK address book to make sure that future emails can display HTML graphics and links.
------------------------------------------------------------------------------------ | | Let's work together and make this a great year! Please contact me at anytime. Complimentary consultations are available.
I enjoy contributing to the success of others.
My network/database contains more than 3,000 professionals including: accountants, attorneys, bankers, realtors, college professors, contractors, real estate developers, engineers, scientists, doctors, nurses, etc.
So let me know what are your most pressing issues and maybe I or someone I know can help.
Please contact me concerning any financing situation and refer to me your friends, family and associates.
Yours truly,
Jeff
Jeffrey H. Bunin, B.Ch.E., MBA
-------------------------------------------------------------------------------
Senior Loan Officer, Capital Lending Corp., www.capitallending.com
Real Estate & Business Financing
"Solving Tough Funding Problems with Innovative Financing Solutions"
8417 Bergenline Ave.
North Bergen, NJ 07047
jbunin@capitallending.com
Tel. (201) 295-1400 x 14
Fax. (201) 295-1444
-------------------------------------------------------------------------------
Former Adj. Prof., Rutgers Business School, MBA Program
(Newark & New Brunswick)
877 - BIZ - GOAL (249-4625)
jbunin@alumni.rutgers.edu
www.BuninManagementAdvisors.com
Bunin Management Advisors, LLC | Disclaimer: Please note that the ideas and/or thoughts presented by third parties are theirs alone and Jeff Bunin bears no responsibility for their validity or correctness. You should seek the advice of your attorney, accountant, financial planner and/or other appropriate advisors and do your own due diligence before embarking on any important undertaking. |
0 Comments:
Post a Comment
Subscribe to Post Comments [Atom]
<< Home