Chris McBrearty Blog

Friends don't let friends borrow from big banks! Help, my bank can't close my loan! San Diego, California

There have been many interesting statistics about the sheer size and girth of the big 7 banking institutions in this country recently. Namely, prior to the 'To Big to Fail' congressional bills totaling over $2 Trillion in our tax dollars the Big 7 controlled about 46% market share. Now, 5 years later, the Big 7 control about 56% market share.

Here in San Diego, CA the mortgage lending performance of the Big 7 has been abysmal. They lack performance, close late and can not seem to get their files straight. Exactly 30% of my loan production is from people needing a last minutes rescue close. I get phone calls every week from people with the same mantra, "Help, my bank can't close my loan".

 

There are several factors for this and, once you review the root issues you begin to see the massive issue at hand:

 

1)  Due to new regulation and liquidity requirements the Big 7 must prioritize their toxic assets first. This is a very time      consuming process

2)   Loan origination is not a key element for revenue for the Big 7 right now

3)   Many are concerned they will not pass their stress tests

4)   It is easier for the Big 7 to purchase loans from originators like me than to actually originate them

 

When you have access to billions in inexpensive capital the priority becomes utilizing the capital to its maximum advantage. This means doing things the little guys can not due such as purchasing and servicing relatively inexpensive preforming assets such as large tranches of mortgage loans.

It is just easier and cleaner for the Big 7 to buy loans that it is to actually originate them!

 

 

So, what is the solution???

It is very simple, work with a mortgage banker that is local to your

state. A localized mortgage banker familiar with your state can close quickly and has already effectively created a machine that functions adequately in your market place. The Big 7 are way to generalized nationally.

A small institution can shift direction in minutes where a Big 7 bank takes weeks to change course. Imagine a Ferrari vs a Suburban on a race track or a small maneuverable swift boat vs an oil tanker.

We small bankers are much hungrier than the Big 7! We will work harder and strive more to earn your business where a large bank just does not care! They do not need to care!

This is a shift in the paradigm of lending, by relying upon localized mortgage bankers we can all collectively chip away at the massive control the Big 7 banks hold over us. We will force them to be more competitive!

When you work with my institution you are guaranteed to close within 30 days. In fact, most of our loans close within 21 days from application date to funding. I am a carreer guy who loves his job and I will fight for your business.

Call me and give me a shot! Mention this article and get a special bonus today!

Friends don't let friends borrow from big banks! Help, my bank can't close my loan! San Diego, CA

California Horse Farms for sale, The Covenant, Rancho Santa Fe, CA

This is a one of a kind once in a life time opportunity to own one of California's premier horse farms for sale in Rancho Santa Fe. This California Horse Farms for sale is sprawling over several legal lots on multiple acres and the California Horse Farms for sale features and exquisite custom single story home boasting over 6,000 square feet plus two additional home, two additional apartments and plenty of offices for staff and crew.

Not many California Horse Farms for sale feature over 40 stalls and all disciplines of riding including derby, racing, hunting and jumping, English, dressage and western.

This is a huge first class facility and is prepped and built for the breeder, hobbyist or blood line winning equine enthusiast.

This is your opportunity to own a one of a kind California Horse Farms for sale in a one of a kind area. The Covenant is the most exclusive section of one of the most exclusive areas along the Pacific Ocean with perfect weather and privacy galore.

All you Thoroughbred Ranches For Sale lovers need to call now and book your exclusive tour of our California Horse Farms for sale. There is plenty of income potential. This could be your home, retreat, business and palace all in one.

Enjoy tennis in the afternoon and a night ride with the lighted facilities. Live in one home and lease out all the others including the stalls and facilities. All zoning is in place for keeping plenty of animals on this property.

California Horse Farms for sale, The Covenant, Rancho Santa Fe, CA

California Thoroughbred Farms For Sale, The Covenant, Rancho Santa Fe, CA

This is a one of a kind once in a life time opportunity to own one of California's premier horse ranches for sale in Rancho Santa Fe. This California Thoroughbred Farms For Sale is sprawling over several legal lots on multiple acres and the Thoroughbred Ranches For Sale features and exquisite custom single story home boasting over 6,000 square feet plus two additional home, two additional apartments and plenty of offices for staff and crew.

Not many California Thoroughbred Farms For Sale feature over 40 stalls and all disciplines of riding including derby, racing, hunting and jumping, English, dressage and western.

This is a huge first class facility and is prepped and built for the breeder, hobbyist or blood line winning equine enthusiast.

This is your opportunity to own a one of a kind California Thoroughbred Farms For Sale in a one of a kind area. The Covenant is the most exclusive section of one of the most exclusive areas along the Pacific Ocean with perfect weather and privacy galore.

All you Thoroughbred Ranches For Sale lovers need to call now and book your exclusive tour of our California Thoroughbred Farms For Sale. There is plenty of income potential. This could be your home, retreat, business and palace all in one.

Enjoy tennis in the afternoon and a night ride with the lighted facilties. Live in one home and lease out all the others oncluding the stalls and facilites. All zoning is in place for keeping plenty of animals on this property.

California Thoroughbred Farms For Sale, The Covenant, Rancho Santa Fe, CA

Mediterranean, Spanish, 6 bedroom, 8 bathroom, Rancho Santa Fe, CA

Welcome to opulence in this Mediterranean, Spanish, 6 bedroom, 8 bathroom that could be yours today.

There are just not enough words to describe the lavish luxury of Mediterranean, Spanish, 6 bedroom, 8 bathroom located in one of the most affluent neighborhoods the world has to offer.

This home Mediterranean, Spanish, 6 bedroom, 8 bathroom for sale is a unique opportunity for that buyer seeking the most of everything with over 9,000 square feet of pure abundance. Very few Mediterranean, Spanish, 6 bedroom, 8 bathroom for sale in Rancho Santa Fe can stand up to the decor and beauty of our Mediterranean, Spanish, 6 bedroom, 8 bathroom for sale.

Call now and schedule your private appointment and be one of the few who has the opportunity to enjoy Mediterranean, Spanish, 6 bedroom, 8 bathroom first hand with a private tour. We know you will love Mediterranean, Spanish, 6 bedroom, 8 bathroom so call today and schedule your private appointment.

Mediterranean, Spanish, 6 bedroom, 8 bathroom, Rancho Santa Fe, CA

 

5 bedroom 8 bathroom Rancho Santa Fe Palace, 92067, CA

Somebody find me a frog! This 5 bedroom 8 bathroom for sale is right out of your favorite book of fairy tales. Welcome to your dream come true.

The coloring, landscape and design all encompass the the gorgeous land of the storied Ranch while considering the amazing Pacific Ocean Views.

From this 5 bedroom 8 bathroom for saleenjoy all The Ranch has to offer in one of the most exclusive neighborhoods on planet Earth.

If it is truly a home of the highest quality and detail then look no further than this 5 bedroom 8 bathroom for sale and call today to line up for the growing list of appointments coming to see this stunner of a 5 bedroom 8 bathroom for sale.

rarely available is such a palatial 5 bedroom 8 bathroom for sale specifically designed for the utmost in private entertainment with a sparkling custom pool and incredible entertainment area featuring sitting areas, bar and pool table.

Truly remarkable and a must see. Call now and schedule your private showing of 5 bedroom 8 bathroom for sale.

5 bedroom 8 bathroom for sale, 92067, CA

4 bedroom 5 bath Covenant Homes For Sale, Rancho Santa Fe, CA

Not much introduction is necessary when discussing this 4 bedroom 5 bath Covenant Homes For Sale in San Diego County. The area is famous for exclusive real estate, private ranches and meticulous tastes.

If you know California and fantastic communities with cool Pacific Ocean Breezes then you know Rancho Santa Fe. If you know the Ranch then you know about the Covenant.

This is one of the most exquisite 4 bedroom 5 bath Covenant Homes For Sale on the planet let alone The Ranch or The Covenant. Amazing care has been put in to every square inch of this 4 bedroom 5 bath Covenant Homes For Sale.

For those seeking a home in The Ranch act now on this 4 bedroom 5 bath Covenant Homes For Sale and be the very proud owner of your personal palace.

Everything has been thought through including the tropical landscape and gorgeous sunsets. Anyone seeking 4 bedroom 5 bath Covenant Homes For Sale need call and make an appointment now. This gorgeous 4 bedroom 5 bath Covenant Homes For Sale  simply will not last.

4 bedroom 5 bath Covenant Homes For Sale, Rancho Santa Fe, CA

There is a reason we get into relationships. Some are great and some not so great.

When you find yourself in a professional relationship that not only works but works well I recommend you covet that relationship and protect it.

Recently one of my Realtor Partners decided to refer a loan over to a mortgage broker that 'did a good job for her daughter when she refinanced'. She figured she would give him a chance on a VA Purchase money loan.

The over promising and under delivering started from day one. Prior to making any offers on homes the loan officer let the Realtor know that the VA client was qualified and instructed her to fill out the contract asking for 1% from the seller to contribute to buyers closing costs.

30 days go by, the clock ticks away. Last Friday she gets a call from the lender telling her they are $2400 short to close the loan and the buyer needs to come in with the money. Guess what? The buyer does not have it.

What's more is the loan officer was gouging big time. When she called and asked if we could help my first question was, "What si the itnerest rate?" The rate is soo high that I was able to not only lower the rate but make sure the bueyr had enough credit to close the transaction as well.

Love your partnerships and don't try and fix what isn't broken!

3 bedroom home for sale under $250K in San Diego

San Diego has everything to offer. You could be a retired couple, single person just getting started, college student (ask about special financing for college students) or a brand new family just getting started and fit super well into this 3 bedroom home for sale under $250K all day long! Investors, do not shy away from this extraordinary cash flow opportunity in a 3 bedroom home for sale under $250K in an area demanding great rents.

This little jewel of a 3 bedroom home for sale under $250K will be a worry free compliment to anyone starting out or adding to their real estate empire. Our 3 bedroom home for sale under $250K features a HUGE yard with room to roam and grow. An old school clothes line just like mom used to hang the laundry out to dry on. So many features in a 3 bedroom home for sale under $250K that its impossible to list here.

This 3 bedroom home for sale under $250K has been professionally redone with amazing floors, open floor plan, newer appliances, kitchen and bath. Fine a real charmer with 3 bedroom home for sale under $250K today by calling now and making an appointment.

This amazing opportunity will NOT LAST at this price! It's really ahrd to find a great home in this great of condition for under $250K! Especially when its a 3 bedroom home for sale under $250K.

This 3 bedroom home for sale under $250K is super close to everything including Sea World, Leggoland and the world famous San Diego Zoo. Everything a family seeking a new home can be had within minutes of 3 bedroom home for sale under $250K.

3 bedroom home for sale under $250K, San Diego, CA

4 bedroom contemporary home for sale in La Jolla, CA Get ready because this 4 bedroom contemporary home for sale is a stunning masterpiece. Only the buyer seeking a true one of a kind jewel in a 4 bedroom contemporary home for sale need apply. Extraordinary style and finish abounds everywhere. For those seeking lavishness in a 4 bedroom contemporary home for sale stop here and sign up for a personal tour. This home oozes of style, comfort and splendor. The 4 bedroom contemporary home for sale features every creature comfort for those with very high quality taste. So much to see and enjoy in this 4 bedroom contemporary home for sale that you will have to pay a visit to believe it. Everything has been thought through and considered including very dramatic lighting and home design. Every room splashes with sun shine and yet the privacy is second to none in a 4 bedroom contemporary home for sale. Expect the best because only the best will be present when touring 4 bedroom contemporary home for sale in La Jolla. If it is that dream palace filled with warmth and amazing architecture then our 4 bedroom contemporary home for sale may just be the right fit for you. 4 bedroom contemporary home for sale, La Jolla, CA

 

5 bedroom custom luxury home for sale in La Jolla, CA

 

Please view everything else for sale before this one! No joking around here, this is truly an extraordinary home with the most discerning buyers taste in mind.

 

This ultra-custom modern craftsman style home is truly a Frank Lloyd Wright inspiration. This is the ultimate dream home. For a 5 bedroom custom luxury home for sale along the amazing San Diego County coastline you will quickly see this eye catching dreamy stunner is truly impeccable.

 

Awesome Pacific Ocean views, only the best in construction quality and finishing choices. There are so few 5 bedroom custom luxury homes for sale in this zip code making this a real catch for the extended family visits or the large family wanting to enjoy the perfect year round climate.

 

This 5 bedroom custom luxury home for sale is a true catch for that family seeking true quality in construction and peace of mind in gorgeous finishing details. Our 5 bedroom custom luxury home for sale is located right in one of the county’s most desirable zip codes.

 

Check out the pictures of 5 bedroom custom luxury home for sale and call right away for an appointment to view this once in a lifetime opportunity to enjoy the country’s greatest climate in of the finest homes ever built. Easily compare other 5 bedroom custom luxury homes for sale and very quickly deduce the huge opportunity in this 5 bedroom custom luxury home for sale.

 

Take advantage today, at this price any 5 bedroom custom luxury home for sale in this zip code will move very quickly. 5 bedroom custom luxury homes for sale are considered rare and unusual in today’s society.

 

This 5 bedroom custom luxury home for sale is the ultimate entertainers dream home with sprawling decks featuring panoramic views, spacious living areas with only the finest finishing touches in mind and gourmet kitchen facilities with the pampered chef of highest concern.

 

5 bedroom custom luxury home for sale, La Jolla, CA