You are receiving this letter because you are a client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today Blackburne & Sons announces a new program to finance whole portfolios of rental homes. And, as always from Blackburne & Sons, we have lots of clean jokes, gags, and funny videos for you.

Joke Du Jour

A man and his wife were having an argument about who should brew the coffee each morning. The wife said, "You should do it because you get up first, and then we don't have to wait as long to get our coffee." The husband said, "You are in charge of cooking around here. You should do it because that is your job. I can just wait for my coffee." The wife replies, "No, you should do it, and besides, it is in the Bible that the man should do the coffee." The husband replies, "I can't believe that. Show me." So she fetched the Bible, opened the New Testament, and showed him at the top of several pages that it indeed says, "HEBREWS."

Fast Loans on Portfolios of Rental Homes

Blackburne & Sons will now make blanket loans against portfolios of rental homes (and commercial properties) nationwide. The unique feature about our blanket loan is that we will grant a partial release clause for each rental home, allowing you to sell off or refinance the homes individually.

Of course, we will also still finance individual, non-owner-occupied, rental homes for investors and house flippers in California. Got a non-owner-occupied residential loan request in California? Please call me, Tim Brannan, at 916-338-3232, email me at timb@blackburne.com, or simply complete this easy mini-app.

Blackburne & Sons has been in business for over 33 years now.

Cat Joke

Although cats are rather delicate creatures and they are subject to a good many ailments, I never heard of one who suffered from insomnia.

Fast, Easy Home Loans for Flippers

We love residential investors and house flippers. Got a non-owner residential loan request in California? Please call me, Tim Brannan, at 916-338-3232, email me at timb@blackburne.com, or simply complete this easy mini-app.

Silent Treatment Joke

A couple drove down a country road for several miles, not saying a word. An earlier discussion had led to an argument and neither of them wanted to concede their position. As they passed a barnyard of mules, goats, and pigs, the husband asked sarcastically, "Relatives of yours?" "Yep," the wife replied, "in-laws."

Earn Huge Referral Fees for Commercial Loans

Referral fees on commercial real estate loans are perfectly legal, and you do not have to be licensed. Blackburne & Sons will pay you a referral fee of 20% of our net loan fee, just for providing us with the name and number of a potential commercial mortgage borrower. We once paid a referral fee of $21,250 on a single deal!

Please click here to refer us a commercial loan.

Wrong Finger Joke

At a cocktail party, one woman said to another, "Aren't you wearing your wedding ring on the wrong finger?" "Yes, I am," the wife replied. "I married the wrong man."

Hungry for Commercial Loans Too

Blackburne & Sons is also looking for hard money first mortgage loans - up to $1.5 million - secured by commercial properties nationwide (not just California). Our private money loans almost never have a prepayment penalty.

Got a residential loan request in California or a commercial loan request anywhere in the country? Please call me, Tim Brannan, at 916-338-3232 or email timb@blackburne.com

Housework Joke

In this family, housework was a woman's job; but one evening Jenny arrived home from work to find the children bathed, one load of laundry in the washer, and another load in the dryer. Dinner was on the stove, and the table set. She was astonished! It turns out that Ralph had read an article that said, "Wives who work full-time and had to do their own housework were too tired to (make romance)." The night went very well. The next day, she told her office friends all about it. "We had a great dinner. Ralph even cleaned up the kitchen. He helped the kids do their homework, folded all the laundry, and put it away. I really enjoyed the evening." "But what about afterward?" asked her friends. "Oh, that ... Ralph was too tired."

On a Personal Note...

Each loan officer should insert his personal paragraph here.

Adorable Animal Video

Sooo cute!

Residential Rates and LTV's

Blackburne & Sons will lend up to 70% LTV on purchases, provided the buyer puts down at least 20% of the purchase price in cash, his middle credit score is at least 680, and he has the capacity to repay. The seller can carry back a second mortgage for 10% of the sales price.

We will often lend up to 60% LTV on refinances, provided the borrower's credit score is at least 680, and he has the ability to repay. The term of most of our home loans is three years.

Our interest rate will vary from 7.9% to 11.9%, depending on the safety of the deal and the desirability of the property and neighborhood. Most of our home loans will be either 8.9% or 9.9%. We charge only 2 points on home loans, and we will go down to par, if necessary, to land a very safe and desirable loan.

Amazing Dancing Video