“World's Most Complete Neighborpedia”
Explore:   What's happening in your neck of the woods?

Richard David • Commercial Equity Lender • Loan Originator • EquiFund Trainer

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

Richard David

_______________________________________________________________

THESE ARE CHALLENGING TIMES.  TO SUCCEED,

IT'S A MATTER OF "WHO" YOU KNOW

100% Financing

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

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


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

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

Richard David

_______________________________________________________________

COMMERCIAL LENDERS NEEDED!

We Want You!

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!


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!

  Richard

_______________________________________________________________

Trainers, Teachers, Consultants and Coaches

Equifund Trainer

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!


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?

Funding Administrator

_______________________________________________________________

INVESTOR EQUITY FINANCING

Man Loving Money

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!


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?

Funding Administrator

_______________________________________________________________

WHAT ARE THE COSTS TO GET
A COMMERCIAL LOAN?

Man Calculating Costs


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!


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