You are receiving this letter because you are a client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today we announce a new apartment lending program that offers the nation's best rates. And, of course, like always, we have lots of cute, clean jokes, two funny pics, and an interesting video for you.

Joke Du Jour

I just got off the phone with a friend living in Minnesota near the Canadian Border. He said that since early this morning, the snow has been coming down. It is nearly waist high, and the snow is still falling. The temperature is dropping way below zero, and the north wind is increasing to near-gale-force. His wife has done nothing but look through the kitchen window and just stare. He says that if it gets much worse, he may have to let her in.

Great Dads Think Alike...

Private Money Commercial Loans Nationwide From $100,000 to $2.5MM

Is your client's commercial property partially vacant? Do you need a lender who will allow the seller to carry back a second mortgage? Does your client have a balloon payment coming due on his commercial property? Has your bank offered him a discounted pay-off? Does your borrower have less-than-stellar credit? We make slightly scratched and dented commercial loans.

Our hot, new product is a blanket loan against a portfolio of rental homes. Rental homes? Yup, as long as there are at least five homes or units, we consider this to be a commercial loan. We even offer a partial release clause. This loan is ideal for speculators.

Here is our latest rate sheet.

Blackburne & Sons is looking for commercial real estate loans that are not quite clean enough for a bank. Please click here to submit a hard money commercial loan or call me, Tom Blackburne, at (574) 210-6686.

Governor Christie Joke

We are learning more and more about New Jersey Governor Chris Christie. Do you know what his least favorite card game is? Bridge! -- Jay Leno

New Apartment Program for "A" Deals

Because we have been in the commercial mortgage business for over 33 years, and because we own CommercialMortgage.com, Blackburne & Sons has been allowed to join just five other mortgage bankers to offer an incredible new apartment loan program for "A" quality deals. These loans close in our name and are sold to an institutional investor which purchased almost $400 million in apartment loans last year.

The rate is adjusted according to the desirability of the property and the area, but it starts at 3.87% and 1 point for a 30-year fully-amortized loan. For more details, please call Tom Blackburne at (574) 210-6686.

Bridge Joke II

Governor Chris Christie is in trouble because his staff shut down part of the George Washington Bridge to get back at a political rival. Yesterday, Christie gave a 107-minute press conference to address the scandal. The last time Christie talked for 107 minutes, he was ordering at IHOP. -- Jimmy Fallon

Too Busy to Broker Commercial Loans to Us? Why Not Just Refer Them Instead? We Make It Easy!

We once paid a $21,250 referral fee. Here is our referral fee program.

Funny Video

Hilarious clip about dogs who are too terrified to walk by cats.

On a Personal Note

"Let me assert my firm belief that the only thing we have to fear is fear itself" - Franklin D. Roosevelt

Fear is a funny thing. On the one hand a healthy dose of fear can keep you alive. But on the other hand if fear is left unchecked, it can be crippling, paralyzing and sometimes even fatal.

The only way to avoid the negative side affects of fear is to tackle that fear head on (unless that fear is a Great White Shark...). Two weekends ago, I was forced to confront my greatest fear of all:  

Being stuck in an the worst snow storm in decades with nothing left to eat but a vegetarian pizza.  

Deemed "Snowpocolypse", the storm produced record snow fall and a wind chill left the air outside -40 degrees. Every restaurant and shop in town were closed as people huddled inside to fight off the cold. Caught completely unprepared, I was trapped inside my tiny apartment. At first, things were quiet, but manageable. That was until I heard it... A low grumbling sound that reverberated from my stomach. Hungry, I searched my pantry and fridge only to find a single food item left.  A vegetarian pizza. Let me say this, I am a man. Men eat meat, not rabbit food. How this vegetarian pizza infiltrated my home is beyond me, but that night I vowed to find the culprit and make them pay. I chucked the pizza back into the fridge and stormed off.

The grumbling didn't go away however. As more and more time passed I was forced to recognize the fact that I might need to eat this grass covered sorry excuse for a pizza to survive. Fear crippled me...Would I die if I ate it? Would I die if I didn't eat it? Would anyone find out that I ate a vegetarian pizza? Would my man-card be revoked if my friends found out? Was starvation a more noble way?

Eventually, I realized that it was fear keeping me away from silencing my roaring stomach and only by tackling that fear head on could I live with myself. So I ate it. I ate the entire grass and saw dust pizza. I conquered my fear. Let this be a lesson to you all...yes yes don't be afraid to address your fears, but more importantly...be prepared for adverse weather or you will be forced to choke down a vegetarian pizza.

(It is important to note, that the moment the snow and ice thawed I ran straight to the nearest Steak and Shake and devoured a burger.)

He's Never Been So Proud...

Don't Forget About C-Loans.com

We have a whole new crop of hungry commercial lenders on C-Loans, so if you have a commercial loan you're trying to place, it takes just four minutes to submit your deal to 750 commercial lenders. And remember, C-Loans.com is free!

Jury Duty Joke

When my mother was called for jury duty, she felt confident of her ability to answer the questions asked of prospective jurors. As a young attorney, I had filled her in on what to expect. Asked about the occupations of family members, Mom answered, "My son is a lawyer." As a follow-up, she was asked if she had ever used the services of an attorney. "Only to mow my lawn."

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George III just completed his masterpiece, a five hour audio training program entitled, The Practice of Commercial Mortgage Brokerage - How to Fix Your Commercial Mortgage Business If You're Just Not Making Any Money. If you don't triple your income within one year, we'll refund 100% of the cost.

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