www.Hondafinancialservices.com

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 this 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,

Ray Piel

USLendingCentre.com

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