Yes and like going to a movie, we can’t wait to get there. This week everyone from Ben Bernanke to all option futures agree on market decline for the next 18 months with a slow rebound beginning in late 2010.

Bank of America, Citi Group, Wells Fargo and most financial institutions are all near the floor and will probably continue to be so for the next 18 months.

Now for the positive side of all the doom and gloom news. When they say a continuing decline for 18 months and a slow rebound thereafter, that doesn’t mean that it all goes to “you know where” until then. On the contrary, this is what we want to hear after enduring all this turmoil, light at the end of the tunnel!

As I mentioned on my last newsletter, we have noticed that investors are beginning to ease up a bit on their tight guidelines. We are able to place a few deals that only 4-6 weeks ago were impossible to get done.

Our nation’s economy may never come back to the level of the immediate past, but as far as commercial lending is concerned, we are already seeing signs of better things to come.

If you would like to find out if we can place your loan, contact one of our highly qualified loan specialists to receive the necessary forms and to discuss the your scenario.

Best of health & luck to you,

Ray Piel

I have not sent out rates and newsletter for about a month, because we have upgraded our capabilities to handle your loan submissions. US Lending Centre now has a new telephone number for your use.

The new number is 813-398-4660.

We are also announcing that new programs from US Lending Centre!

USLC is now accepting loan submissions for construction loans anywhere in the United States as well as some blanket commercial loans.

Our main focus is LTC and arriving at “All In Costs” when making a decision as to the interest level. We now represent a group of private investors that are getting back into this market as they feel it is a viable source of solid deals for them to invest in. LTC’s in the 65-70% range are normal for this tyope loan, requires credit scores of principals over 680 with a history in the area of the property type being considered. Rates usually below 8% (currently), amoritized over 20-25 years and normally a 3 year I/O.

A few of the deals currently in process are:

* 4mm commercial construction loan in California
* 14 gas stations, refinance, via a blanket loan
* 20 gas stations, purchase, via a blanket loan
* casino in Las Vegas, refinance
* construction loan for a RV Park and Travel Center in NV, and others

Contact one of our highly qualified loan specialits to receive the necessary forms and to discuss the loan scenario.

We are still here and going stronger than ever to meet all of your commercial financing needs.

Best of health and luck to you,

Ray Piel
US Lending Centre
Tel.: 813-398-4660

2008 appeared to be the year of the residential broker turning commercial. It looked like it was going that way as brokers flocked to commercial with stated deals but then that horse got pulled out from under brokers and few actually ever closed any commercial loans.

This financial crisis is causing the banks to dry up. Many are comparing this to the S & L crisis of the late 80’s – there are a lot of parallels. In the mid 80’s before the S & L crisis, local banks wrote up all your residential loans. But when the crisis hit and they stopped lending, people were forced to seek out brokers. Well here we are again. Banks are drying up, they are sitting on their assets and waiting for the smoke to clear and clearly they are in self-preservation mode. Customers are being forced to seek out alternative lending sources in droves. Enter again, the broker.

At US Lending Centre, we have been so busy with calls from Brokers like you. Developers that would not give us the time of day 2 years ago are begging for money. Top quality clients, who a year or two ago would use us only to shop rates are now accepting our rate quotes without question. The tide has turned. The banks don’t have cash – we do. People need cash to fund their businesses and growth. The banks aren’t lending it – the people are forced to look to us.

Either way, the tide has turned, the main competition is on life support and it is time to take control of your future. We have the money; we have the local presence; you just need to get out there and tell people that “you have money” and watch them beat a path to your door! Our future begins now and this is our year. Come join us!

It is as easy as calling 813-413-9117 ext. 105 and running the deal by Jim Blackburn to get going. YOU CAN DO IT, WE CAN HELP!

Good health and good luck!

Ray Piel
USLendingCentre.com

On behalf of US Lending Centre, we would like to extend our warmest and sincerest positive thoughts to you and your family and may you enjoy the best New Year’s ever.

Lots of people say that we are crazy because we watch and listen to materials such as “The Secret”, but I can assure you from experience that positive attitude does work. This does not mean that you should be a lunatic and ignore reality around you, all it does is serve as a reminder that “it does not rain forever”; even evil or bad does not reign forever…

This is a time full of opportunities, the Fed has lowered rates and they will probably stay this way for quite a while. It’s a good time to purchase or refinance businesses. Take full advantage of this window of opportunity.

We are still the nationwide leader in church loans with non-recourse. Loan amounts from $500,000 to $100 Million.

We will be open today through Wednesday the entire day and will be closed Thursday and Friday. If you wish to submit a loan in that time, you may do so via our website USLendingCentre.com and we will get back to you fast.

It is as easy as calling 813-413-9117 ext. 105 and running the deal by Jim Blackburn to get going. YOU CAN DO IT, WE CAN HELP!

Good health and good luck!
Merry Christmas from all of us.

Ray Piel
USLendingCentre.com

Contact Jim Blackburn Today!

If it does not fit our lending criteria, we will not waste your time.

US Lending Centre
“Your Trusted Commercial Lender”

www.USLendingCentre.com
(813) 413-9117

On behalf of US Lending Centre, we would like to extend my warmest and sincerest positive thoughts to you and your family and may you enjoy the best Christmas ever.
Lots of people say that we are crazy because we watch and listen to materials such as “The Secret”, but I can assure you from experience that positive attitude does work. This does not mean that you should be a lunatic and ignore reality around you, all it does is serve as a reminder that “it does not rain forever”; even evil or bad does not reign forever…

This is a time full of opportunities, the Fed has lowered rates and they will probably stay this way for quite a while. It’s a good time to purchase or refinance businesses. Attack your own data base and begin calling those past customers to let them know about this market window.

We will be open today and tomorrow the entire day and will be closed Thursday and Friday. If you wish to submit a loan in that time, you may do so via our website USLendingCentre.com and we will get back to you fast.

It is as easy as calling 813-413-9117 ext. 105 and running the deal by Jim Blackburn to get going. YOU CAN DO IT, WE CAN HELP!

Good health and good luck!
Merry Christmas from all of us.

Ray Piel
USLendingCentre.com

The positive side to this is that you are going into 2009 most likely much leaner, much tougher, and hopefully a lot smarter and the odds are that you will do a lot better in 2009 than you did in 2008.

Use this holiday time to create a good game plan to build your purchase business next year. Begin to execute today a strategy that will bring you consistent purchase business next year. This is what smart Commercial Loan Officers do, they take advantage of short term opportunities while keeping an eye on the long term strategies and moving them forward.

This is a time full of opportunities, the Fed has lowered rates and they will probably stay this way for quite a while. It’s a good time to purchase or refinance businesses. Attack your own data base and beging calling those past customers to let them know about this market window.

Here are a few tools at your disposal with USLC to help you “close” your loans:

Stated doc from 650 credit scores & Full doc from 650 credit scores

* Hotels = full doc. = 65% LTV with 700 fico and stated documentation = 55% LTV with 675 fico. No construction

* Mobile Home Parks – pad rentals and only if the property debt services well

* Restaurants = stated with 675 fico up to 55% LTV; and full doc with 650 fico up to 65% LTV

* Used car lots & Auto repair = based on value of “property” and not land value

* Church or any house of worship = NO personal guarantees and up to 100% financing

* Multi family = 85% occupancy required and 1.2 DSCR +

* Gas stations = rural areas only

It is as easy as calling 813-413-9117 ext. 105 and running the deal by Jim Blackburn to get going. YOU CAN DO IT, WE CAN HELP!

Good health and good luck!

Ray Piel
USLendingCentre.com

Obama the businessman; who would have known.

Like a lot of you out there, I also had my doubts and was hesitant about having someone of little experience take charge of the country in the middle of an economic crisis. Surprisingly so, Obama has so far turned out to be quite the businessman.

Beginning with getting Wallstreet enthusiastic about his plan to launch the largest infrastructure-spending package since the 1950s to help boost the crippled economy.

Announcing the plans for the largest U.S. public works spending program since the creation of the interstate highway system a half-century ago. That could bolster the economy by putting thousands of people to work building schools and other construction projects.

The economic plan that will inject $75 billion of stimulus into the economy by getting money in the form of tax cuts and direct spending directly to the people who need it most. This proposal will immediately provide stimulus using means that do not require lengthy governmental or administrative delays.

The plan also reserves an additional $45 billion of stimulus that can be injected into the economy quickly in the future if the economy continues to deteriorate.

He has also been able to bring together an impressive political and economic team; you could say he has put together a political “dream team”. We’re talking proven heavy duty names such as Lawrence Summers, Bill Richardson, Peter R. Orszag, Eric Shinseki, Hillary Clinton, Paul Volcker, Timothy Geithner and others that are in the plans to come onboard.

If he keeps this up he has a better than average chance to turn the economy around sooner than we have estimated. Who knows, this inexperienced guy from Illinois may go down in history as one of the great presidents this country has seen. Only time will tell, but so far it looks very promising…let’s keep our fingers crossed.

Don’t forget that we are here to stay open and continue closing commercial loans for you. To qualify your commercial loan it’s as easy as calling 813-413-9117 ext. 105 and running the deal by Jim Blackburn to get going. You do it and we can help you.

Good health and good luck

Ray Piel
USLendingCentre.com

Don’t let greed take away your deals.

We had a call a few weeks back from Jack, one of our regular “call for scenarios” broker. He had a strong deal, cash flowing, 65% LTV. We told him we could do it and what we needed to get terms out to him, but didn’t hear back from him. Still, he had a strong deal so we put him into our follow up system to call back once a week to monitor his progress. He never picked up the phone so we kept leaving messages.

After several attempts he did call back and said, “Guys, I have come to the conclusion that it is just easier to send it to you and let you do it than try and find someone who will lend in this environment. I am just going to send the deal to you.”

Now Jack will send us the deal supposedly this week and if so, we will have him a term sheet out within 72 hours which will protect him and include him on the deal for 1 point.

The sad reality is, IF, and only if, he and US Lending Centre still get the deal. You see, his client has likely been shopping even while Jack has been shopping. And Jack was not shopping for a better rate for his client, because we don’t quote rates. Jack was shopping to try to make more than 1 point. 2 points of nothing is far worse than 1 point of a closed loan. Remember, each closed commercial loan yields you at least 2 others in referral business! You will be known as the person that can get a loan closed.

In today’s environment, lenders are dropping like flies. The broker that does not have a database of a hundred lenders culled from years of doing commercial will spend frustrating weeks trying to find a home for a loan. Meanwhile, your frustrated customer just may be going elsewhere. In the past weeks we have helped the several brokers get their deals approved.

Here are a few tools at your disposal with USLC to help you “close” your loans:

Stated doc from 650 credit scores & Full doc from 650 credit scores

* Hotels = full doc. = 65% LTV with 700 fico and stated documentation = 55% LTV with 675 fico. No construction
* Mobile Home Parks – pad rentals and only if the property debt services well
* Restaurants = stated with 675 fico up to 55% LTV; and full doc with 650 fico up to 65% LTV
* Used car lots & Auto repair = based on value of “property” and not land value
* Church or any house of worship = NO personal guarantees and up to 100% financing
* Multi family = 85% occupancy required and 1.2 DSCR +
* Gas stations = rural areas only

Until you start closing commercial and start seeing how many referrals you get from closed loans, you don’t know what you are missing. If you have a deal and you want to get cranking, stop waffling and shopping and “thinking” you are doing them a service by shopping around. Get them quick approvals in writing; that will be the best thing you can do for them. And when they see how quickly you work (because you are really just forwarding it to us), they will tell their friends and voila! You have become a commercial expert.

It is as easy as calling 813-413-9117 ext. 105 and running the deal by Jim Blackburn to get going. YOU CAN DO IT, WE CAN HELP!

Good health and good luck!

Ray Piel

Imagine if you will…The “Step Up” Plan….

This plan will kick start the housing market, thus resolving the credit crisis, getting the economy to move forward, getting banks to lend to each other, and so on.

It will do all these wonderful things without bleeding the tax payer’s funds any further. It will work because at the heart of this nightmare lies the housing market. If this market turns around then and by the law of the “old domino effect” it will begin to fix the other markets.

If the housing market was the initiator of this crisis, then logic dictates that the solution is to start by fixing this particular market.

The “Step Up” is very simple and it works in the following manner:

Let’s use the now famous Joe the Plumber, Joe has saved up some money and wants to purchase a home; with all the bargains out there this is an excellent idea.

Joe has to put 20% down in order to qualify because lenders are currently refusing any financing unless the borrower puts down at least 20%.

Now the “Step Up” plan comes into play; Uncle Sam steps up and matches Joe’s down payment up to $15,000. This could be achieved via tax credit, or through an FHA incentive created for this purpose. Are you beginning to see the logic behind this?

This plan would kick start and motivate all of those buyers seating on the sidelines by giving them a pretty good reason to move forward with buying. At the same time it would stop the houses from loosing any more value and finally begin to gain value as the inventory dries out.

This type of incentive could be carried out for the first year and then on a declining basis ($15K the first year, $10K the second and so on) for the next 3 or 4 years depending on how fast the glut of houses begin to sell out.

That’s it, problem solved; finally our economy can go back to normal… I only wish!

Unfortunately this plan is the creation of this humble writer and not a reality. It boggles my brain that if I can come up with this simple solution which makes sense, then how come these politicians can’t do the same or at least similar?!?!

If you see the logic and sense of this proposition then let’s unite and write to our government and senators. Let’s forward them a copy of this newsletter to let them know that we simple, everyday Americans can also help in times of crisis.

Your humble author,

Ray Piel

USLendingCentre.com
“Your Trusted Commercial Lender”

We hear about DHL going out of business in January – that is tens of thousands of jobs gone, banks are closing left and right. That the first quarter of 2009 the GDP will show its worse reading possibly since the 70’s. That all the money, billions, spent on the elections artificially pumped up the economy this year, that crutch is gone in the first quarter of 2009.

Of course there are 2 ways to take in these news, one is to give up and walk away in search of “something better” (this is pure fantasy). Or the way I see is to be realistic, optimistic, plan ahead, and conquer your fears.

This is what I mean by being realistic; I am not a major shareholder in DHL and no one has come around asking me what they should do so I can’t help them. I can’t control the GDP – way too big a problem for me. I can’t help GM stay afloat – they don’t know I exist. What can I control? – MY ACTIONS and MY ATTITUDE. And so can YOU! You know what, there are still people buying homes. There will always be businesses doing well that need loans to expand. Don’t forget the basic reality, our industry is a necessity, not a luxury.

Don’t worry about companies closing down or getting out of the financial world. There are always bigger and better companies waiting to take their place. For example; last week Textron, Home Depot and Honda approached the Fed to allow them to begin buying commercial paper.

Do you want to do commercial loans but you are afraid of them not closing and that you will “look bad”? Or maybe, you want to start marketing to people you know but you are afraid to make the call because you think they will know that you are new to commercial and they won’t respect you?

Here are a few of the niches you have at your disposal with USLC:

* Stated doc from 650 credit scores & Full doc from 650 credit scores
* Hotels = full doc. = 65% LTV with 700 fico and stated documentation = 55% LTV with 675 fico. No construction
* Mobile Home Parks – pad rentals and only if the property debt services well
* Restaurants = stated with 675 fico up to 55% LTV; and full doc with 650 fico up to 65% LTV
* Used car lots & Auto repair = based on value of “property” and not land value
* Church or any house of worship = NO personal guarantees and up to 100% financing
* Multi family = 85% occupancy required and 1.2 DSCR +
* Gas stations = rural areas only

Obviously all property types that we would entertain are not covered here and not all of them can be executed as stated deals, but just the fact that we can still offer some of these products is a win-win situation.

The opportunity is great but it is only great because so many cower – be one of the few who are not cowering and are reaping monster rewards. Be your best today!

Call us today so we can analyze your deals,

RP

If it does not fit our lending criteria, we will not waste your time.

US Lending Centre
“Your Trusted Commercial Lender”

www.USLendingCentre.com

(813) 413-9117

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