BAY PORTAL COMPANIES, INC. ...when fast fundings and flexibility matters! Fill out our 5-minute EZ Loan Application for PRE-APPROVAL! We process Commercial Loans, Residential Loans and Hard Money Loans Nationwide. Whether you need Stated or Full-Doc, Balloon or Fully Amoritized!Our Service Level Agreements Are Revolutionizing Real Estate Finance! We offer innovative ways to get the information and LOAN you need F-A-S-T! E-mail your scenario to cobbeldick@comcast.net Fax your application to 440-250-8889. Open 7 days a week, WE ANSWER YOUR CALL! CLICK HERE for Sub-prime and debt consolidation loans CLICK HERE for "A" Paper 680 and above Credit Scores CLICK HERE for TIER FOUR Commercial Properties CLICK HERE for TIER THREE Commercial Properties CLICK HERE for TIER TWO Commercial Properties CLICK HERE for TIER ONE Commercial Properties MORTGAGE CALCULATORS PAGE CLICK HERE PRINTABLE BLANK 1003 MORTGAGE APP (fax) ENCRYPTED SECURE MORTGAGE WEB APP   Fax your 1003, App & Tri-Merge Credit to: 440.250.8889 Rehab Specialists Hard Money SBA Loans Commercial Real Estate Private Investors Full-doc Stated Land Loans Farm Loans Jumbo Residential Super Jumbo Residential   SBA/Commercial Loans... As Commercial Loan Specialists, We Understand Time Is Money!!! When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you. Buying a new home or Commercial Business is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there. Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan! Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals. Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anybody else! Please navigate our website to learn more about us, what we do for you, and how easy it is to get started. Get the low-cost loan you deserve! Call our team at: (440) 808-8926

Commercial-centric info  We Offer Low-cost Commercial Loans Nationwide Look to Bay Portal Companies for SBA Loans Too! Ask us about our new FREE EPA OR Commercial Appraisal Program! Nationwide FDIC Lender Commercial, Business, SBA  and Residential Loans Featuring LOW FEES AND FAST FUNDINGS! CONTACT BAY PORTAL COMPANIES, INC. 7 DAYS A WEEK! 9 am-9 pm *You can fax, phone us or e-mail cobbeldick@comcast.net   APPLY NOW! Phone:  440.808.8926  Fax:  440.250.8889 We pride ourselves in saying, YES!" ...Quickly! Bruce Cobbeldick (Cmcl. and Residential Loans) and Ken Tonegato (Cmcl. Loans) We process Commercial Loans, Residential Loans and Hard Money Loans Nationwide. Whether you need Stated or Full-Doc, Balloon or Fully Amoritized!Our Service Level Agreements Are Revolutionizing Real Estate Finance! We offer innovative ways to get the information and LOAN you need F-A-S-T! E-mail your scenario to cobbeldick@comcast.net Fax your application to 440-250-8889. Open 7 days a week, WE ANSWER YOUR CALL! We Offer Our Own Warehouse Lines and Interbay Funding Preferred Pricing, We Do SBA, Hard Money, Wall Street, Sourcing Money for LO's and We Can Let Accountants, Realtors, CPAs and Attorneys Collect Co-Brokers Fees Using Our AEs!   REALTORS AND BORROWERS, CLICK HERE TO INQUIRE ABOUT YOUR LOAN'S STATUS (SIMPLY TYPE IN BORROWERS FULL NAME AND STATE IN SUBJECT LINE) AS COMMERCIAL MORTGAGE BANKERS, LICENSED RESIDENTIAL LOAN OFFICERS, WE OFFER WALL STREET MONEY, BANK LOANS AND HARD MONEY LOANS NATIONWIDE! LOOK TO US FOR THE KIND OF SERVICE, RATES AND FEES THAT MAKE SENSE AND SAVE YOU REAL MONEY! AS THE SENIOR MORTGAGE PLANNER HERE, I GUARANTEE RETURNED PHONE CALLS WITHIN THE HOUR, LOW FEES AND NO DELAYS! CALL US WITH YOUR SCENARIO AT 440-668-0887. Welcome to our online application site! My name is Bruce Cobbeldick, CEO, Bay Portal Companies. We have linked hi-tech with high touch and seen to it that our team of professionals truly listen and serve our customers. Our approach and our work ethic is different. We're confident we will earn your business with our service, rates and fees! We seek to exceed your expectations by offering great rates, fast fundings and old fashion work ethics that provide genuine care, helpful resources and access to our people and processes Monday thru Sunday 9:00 a.m. - 9:00 p.m. If you have questions about your application, or would like to apply CLICK HERE! Fax it to 440-250-8889 *TO PROCESS YOUR APP, WE NEED TO RUN YOUR CREDIT AND REVIEW YOUR 1003 FORM. You can create the 1003 Application by printing it out or filling out our online web-based form! Email Loan Officer, Bruce Cobbeldick CLICK HERE Email Loan Officer, Ken Tonegato CLICK HERE We process Commercial Loans, Residential Loans and Hard Money Loans Nationwide. Whether you need Stated or Full-Doc, Balloon or Fully Amoritized! Our Service Level Agreements Are Revolutionizing Real Estate Finance! We offer innovative ways to get the information and LOAN you need F-A-S-T! E-mail your scenario to bayportal@comcast.net Fax your application to 440-250-8889.  Open 7 days a week, WE ANSWER YOUR CALL! Organize your documents If you are buying or refinancing a home If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement. If you own rental property, please provide rental agreements and two years tax returns. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have. If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds. Provide a copy of divorce decree if applicable. If you are NOT a US citizen, provide us with a copy of your green card (front & back) or, if you are NOT a permanent resident provide us with your H-1 or L-1 Visa. If you are applying for a home equity loan If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement. If you own rental property, please provide rental agreements and two years tax returns. Please provide a copy of the note on your first mortgage. This will normally be found in your closing loan documents. Please provide a signed letter explaining what you plan to do with the proceeds. Provide a copy of divorce decree if applicable. If you are NOT a US citizen, provide us with a copy of your green card (front & back) or, if you are NOT a permanent resident provide us with your H-1 or L-1 Visa.   Get Qualified Getting qualified before you apply for a loan can help you understand how much you can borrow. When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities. It is highly recommended that you get pre-approved before you start looking for a house. This will help you: Find out the maximum house you can buy, so you don't waste time looking for properties you cannot afford. Puts you in a stronger position when you are negotiating with the seller because the seller knows that your loan is already approved. Helps you close quickly, since your loan is already approved.   Shop loan programs and rates To shop for a loan you will need to: Think about how long you plan to keep the loan. If you plan to sell the house in a few years you may want to consider an adjustable or balloon loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed loans. Understand the relationship between rates and points. Points are considered to be prepaid interest and are tax deductible. Each point is equal to one percent of the loan. So for example 1 point on a $150,000 loan is $1,500. The more points you pay, the lower the rate you will get. Compare different programs. Shopping for a loan can be difficult. With so many programs to choose from, each of which has different rates, points and fees, it's hard to figure out which program is best for you. That's where an experienced loan officer can help you make a decision that's best for you.   Obtain Loan Approval Once your loan application has been received we will start the loan approval process immediately. This involves verifying your: Credit history Employment history Assets including your bank accounts, stocks, mutual fund and retirement accounts Property value Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval: Fill out the loan application completely. Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date. Do not make any major purchases. Do not buy a car, furniture or another house until your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application. Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us. Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney to authorize another individual to sign on your behalf.   Close the Loan After your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to: Bring a cashiers check for your down payment and closing costs if required. Personal checks are normally not accepted. Review the final loan documents. Make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. Sign the loan documents. Your loan will normally close shortly after you have signed the loan documents. On refinance and home equity loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close. We facilitate loans that offer the most money (LTV) at the least possible cost (low fees, fast fundings, reliable service) Thank you for looking to us for your low-cost loan. We appreciate your interest in our cooperation. Our goal is to return all phone calls within 1 hour and provide pre-qualification letters with same day service. We offer both commercial and residential loans from lenders, investors, hard money sources, Wall Street and conduits. With more than 600 sources for financing your home or business, we offer our clients choices in either full-doc or stated income-stated asset programs. In order to expedite your mortgage loan application, it is imperative that we have the following items to assemble a file that will meet our underwriter’s policies and procedures: We need 2 years financials on your business, its estimated appraised value, the current loan amount if it is a refi, or its purchase price. We require point of contact and financial information on the owners as well as annual revenue and expenses. Depending on whether or not this is a full-doc loan, a standard 4506 form maybe required. We ask for bank statements, tax filings and financials for the past 3 years if possible. Minimum of 2 years required. For traditional financing, a credit score of 600 and above is needed if the mid-score is below 600, or turn-around time is less then 30 days, a hard money source can be offered for scores below 600 or closings that require funding in 21 days or less. If you are interested in a residential home mortgage or investment property, we need a 1003 application filled out, signed and dated as well as your written permission to pull a tri-merge credit report, along with a loan submission sheet in order to secure a pre-approval letter. This all can be done in a timely manner if we have our borrower(s) cooperation and the documentation listed herein. Thank you once again for looking Bay Portal Companies, Inc. for the low-cost loan you deserve! All the best, Bruce Cobbeldick, Director Rick Newbrough, V.P. Ken Tonegato, General Manager Welcome to the nation's Thought Leader in Commercial and Residential Real Estate Loans NATIONWIDE, BRUCE COBBELDICK, is ready to help you with any real estate service or questions in Cleveland or in Parma Heights, Euclid, Parma, Seven Hills, Brook Park, Middleburg, Berea, Olmsted, Olmsted Falls, Westlake, North Royalton, Stongsville, Broadview Heights, Avon, Avon Lake, Lorain County, Medina County, Lakewood, Rocky River, Bay Village, Fairview Park, North Ridgeville, Sandusky and neighboring communities, for the zip codes 44116, 44140, 44145 44111 44107 44102 44135 44070 etc. ***IN FACT, WE DO COMMERCIAL LOANS NATIONWIDE. FAX US DOCS FOR YOUR SCENARIO AT (440) 250-8889 VISIT US TODAY AT OUR EZ ONLINE APPLICATION WEBSITE WWW.VLENDER.COM/C/COBBELDICK Welcome to Bay Portal Companies' online application websitesite! My name is Bruce Cobbeldick, and as the sales director, I have created a straight-forward, direct and easy system for our borrowers: Phone messages returned within one (1) hour or less. A web-based application that is as easy as pie. The ability to fax or snail mail us your app if you prefer. And everything done with the latest secure, encrypted technology for your ID Information's security! We have linked hi-tech with high touch and seen to it that our team of professionals truly listen and serve our customers. Our approach and our work ethic is different. We're confident we will earn your business with our service, rates and fees! We seek to exceed your expectations by offering great rates, fast fundings and old fashion work ethics that provide genuine care, helpful resources and access to our people and processes Monday thru Sunday 9:00 a.m. - 9:00 p.m. If you have questions about your application, or would like to apply CLICK HERE! Fax it to 440-250-8889 *TO PROCESS YOUR APP, WE NEED TO RUN YOUR CREDIT AND REVIEW YOUR 1003 FORM. You can create the 1003 Application by printing it out or filling out our online web-based form! Email Sales Director, Bruce Cobbeldick CLICK HERE We process Commercial Loans, Residential Loans and Hard Money Loans Nationwide. Whether you need Stated or Full-Doc, Balloon or Fully Amoritized!Our Service Level Agreements Are Revolutionizing Real Estate Finance! We offer innovative ways to get the information and LOAN you need F-A-S-T! E-mail your scenario to cobbeldick@comcast.net Fax your application to 440-250-8889. Open 7 days a week, WE ANSWER YOUR CALL! CLICK HERE for Sub-prime and debt consolidation loans CLICK HERE for "A" Paper 680 and above Credit Scores CLICK HERE for TIER FOUR Commercial Properties CLICK HERE for TIER THREE Commercial Properties CLICK HERE for TIER TWO Commercial Properties CLICK HERE for TIER ONE Commercial Properties   Browsing around for that perfect commercial real estate loan? Look no further!  We focus on commercial real estate loans. We can help you find the loan program you need to suit your specific situation.  If you would like to find out more about what Bay Portal Companies can do for you and your business, please click here  Have a great day!  Commercial Real Estate loans in Ohio Our Commercial and Residential Loan Portal will help get you a Commercial Real Estate Loan in Ohio - find your county ... Adams, Allen, Ashland, Ashtabula, Athens, Auglaize, Belmont, Brown, Butler, Carroll, Champaign, Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance, Delaware, Erie, Fairfield, Fayette, Franklin, Fulton, Gallia, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin, Harrison, Henry, Highland, Hocking, Holmes, Huron, Jackson, Jefferson, Knox, Lake, Lawrence, Licking, Logan, Lorain, Lucas, Madison, Mahoning, Marion, Medina, Meigs, Mercer, Miami, Monroe, Montgomery, Morgan, Morrow, Muskingum, Noble, Ottawa, Paulding, Perry, Pickaway, Pike, Portage, Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Tuscarawas, Union, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood, Wyandot,    Our Loan Origination and Commercial Real Estate Co-Broker Portal can help get you a Commercial Real Estate Loan in Ohio - find your city  ... Akron, Alliance, Amelia, Amherst, Archbold, Ashland, Ashtabula, Athens, Aurora, Avon, Avon Lake, Barberton, Barnesville, Batavia, Beachwood, Bedford, Bellaire, Bellbrook, Bellefontaine, Bellevue, Belpre, Berea, Bowling Green, Brecksville, Broadview Heights, Brookville, Brunswick, Bryan, Bucyrus, Burton, Cadiz, Cambridge, Canal Fulton, Canal Winchester, Canfield, Canton, Carrollton, Celina, Chagrin Falls, Chardon, Chesterland, Chillicothe, Cincinnati, Circleville, Cleveland, Cleves, Clyde, Columbia Station, Columbiana, Columbus, Conneaut, Cortland, Coshocton, Cuyahoga Falls, Dayton, Defiance, Delaware, Delphos, Dover, Dublin, East Liverpool, Eaton, Elyria, Englewood, Fairborn, Fairfield, Findlay, Fostoria, Franklin, Fremont, Galion, Gallipolis, Galloway, Geneva, Georgetown, Germantown, Girard, Goshen, Grafton, Granville, Greenfield, Greenville, Grove City, Groveport, Hamilton, Harrison, Hartville, Heath, Hebron, Hilliard, Hillsboro, Holland, Hubbard, Hudson, Huron, Independence, Ironton, Jackson, Jefferson, Johnstown, Kent, Kenton, Lancaster, Lebanon, Lewis Center, Lima, Lisbon, Lockbourne, Logan, London, Lorain, Louisville, Loveland, Madison, Mansfield, Maple Heights, Marietta, Marion, Martins Ferry, Marysville, Mason, Massillon, Maumee, Medina, Mentor, Miamisburg, Middlefield, Middletown, Milford, Millersburg, Minerva, Mogadore, Monroe, Mount Gilead, Mount Vernon, Napoleon, New Albany, New Carlisle, New Lexington, New Philadelphia, Newark, Newton Falls, Niles, North Lima, North Olmsted, North Royalton, Northfield, Norwalk, Novelty, Oak Harbor, Oberlin, Olmsted Falls, Oregon, Orrville, Ottawa, Oxford, Painesville, Pataskala, Paulding, Perrysburg, Pickerington, Piqua, Plain City, Pomeroy, Port Clinton, Portsmouth, Powell, Ravenna, Reynoldsburg, Richfield, Saint Clairsville, Saint Marys, Salem, Sandusky, Shelby, Sidney, Solon, Springboro, Springfield, Steubenville, Stow, Streetsboro, Strongsville, Sunbury, Swanton, Sylvania, Tallmadge, Tiffin, Tipp City, Toledo, Toronto, Troy, Twinsburg, Uhrichsville, Uniontown, Upper Sandusky, Urbana, Van Wert, Vandalia, Vermilion, Wadsworth, Wapakoneta, Warren, Washington Court House, Wauseon, Waverly, Waynesville, Wellington, West Chester, West Union, Westerville, Westlake, Wheelersburg, Wickliffe, Willard, Willoughby, Wilmington, Wooster, Xenia, Yellow Springs, Youngstown, Zanesville,    These are some of the common business types can we do Commercial Real Estate Loans for  ... Auto Rental Yards, Auto Service, Bed and Breakfast, Building and Construction Loans, Car Wash, Church Buildings, Combination of Commercial and Residential, Day Care, Funeral Homes, Hotel and Motel, Light Industrial, Mobile Home Park, Multi-Family 5+ Units, Non allowed building types, Office, Restaurant, Retail Sales, Self Storage, Warehouse,   Fill out our 5-minute EZ Loan Application for PRE-APPROVAL! [CLICK TO VIEW FEATURED HOMES] Welcome to Bay Portal Companies, your one stop shop for over 1,500 Cleveland area homes, houses, condominiums, lots, land, townhomes and real estate listings for sale in the Cleveland area. If you are looking for places in the Bay Village, West Lake, Rocky River, Avon, Avon Lake, North Olmsted, Northridge, Lakewood area you have come to the right place. Find homes for sale in the Cleveland area including Bay Village, West Lake, Rocky River, Avon, Avon Lake, North Olmsted, Northridge, Lakewood and more. With our Home Search feature you are able to search through thousands of local area homes just like real estate agents do. Find new homes, luxury homes, townhomes and condos, in addition to property and land listings in the area. If you are looking for the Cleveland area information for relocation, this is the right spot. Find daily Cleveland area real estate news , mortgage calculators , free home appraisal information , local school reports, live local daily weather and live local 5 day forecasts , featured area property listings, local area links, over 1,500 Cleveland featured area homes, condos and real estate listings for sale, auto email listings for free updated listings in your price range , maps, and more. Sunday August 27, 2006Saturday August 19, 2006 SEARCH Cleveland Ohio HOMES FOR SALE Click Here Search here from over 1,500 homes currently listed in the Cleveland , Ohio area. Find your first, next or investment home in Bay Village, West Lake, Rocky River, Avon, Avon Lake, North Olmsted, Northridge, Lakewood and all the best communities in the region. Here is your finest resource for home information, photos, property descriptions, maps, tax info, schools, etc. Click Cleveland Area Homes for Sale to get started. Take a look at this month's FEATURED PROPERTY by clicking Featured Cleveland Area Homes ATTENTION BUYERS & SELLERS Get FREE reports on appraisals & market value, common Q&A about buying or selling a home, disclosure, escrow and closing costs, lease options, pricing your home for a quick sale, property taxes, seller financing, short sales, tax considerations, negotiating strategies, selling your home for full price, whom to contact, and more. Click Buying or Selling A Home in the Cleveland Area NEW AUTO EMAIL SERVICE FOR INSTANT NOTIFICATION OF Cleveland AREA REAL ESTATE LISTINGS Get the newest listings on the market first with my NEW auto email service. Simply fill in your search criteria including cities, price range, bedrooms and baths and the frequency you want the new listings and they will be sent to you automatically as soon as they are listed. New listings can be sent daily, weekly, or monthly, depending on how soon you plan on moving. Never miss the hottest new listings again. Click New Cleveland Area Listings by eMail SELLERS -- WHAT IS THE TRUE MARKET VALUE OF YOUR HOME? Have you ever wondered, "What's the current value of my home in today's market's?" By filling out the information in the link below you will be furnished with a personalized FREE Comparative Market Analysis Report (CMA) that will give you an excellent detailed estimate of your home's current value, and realistic selling value in today's marketplace. I can provide any level of help and information you need make the home selling process easier and faster. Click My Current Cleveland Area Home Value   Whether you are looking for a new home, thinking of selling your existing home, or just want help with an investment or a relocation, I can help. Great customer service for your biggest investment my first priority! E-mail Bruce Cobbeldick, Ken Tonegato & Rick Newbrough at cobbeldick@comcast.net Or Call (440) 668-0887 All the information you need for buying, selling, or building, your next home! .. Over 5,000 homes, town-homes, condos, daily weather, real estate news, new featured listings by email and more!... ...Bruce Cobbeldick, Ken Tonegato & Rick Newbrough is your real estate professional in the Cleveland area Web http://bayportalcompanies.com http;//www.ohioloans.shoppingcartsplus.com www.floridaloans.shoppingcartsplus.com http://www.californialoans.shoppingcartsplus.com http://www.northcarolinamortgages.shoppingcartsplus.com http://www.virginiamortgageloans.shoppingcartsplus.com http://www.commercialmortgages.shoppingcartsplus.com www.realestatemortgages.shoppingcartsplus.com http://www.realproperty.shoppingcartsplus.com www.realproperties.shoppingcartsplus.com http://www.realtorsandloanofficers.shoppingcartsplus.com www.homesforsalenationwide.shoppingcartsplus.com www.loanlogic.shoppingcartsplus.com www.lendinglogic.shoppingcartsplus.com www.brucecobbeldick.shoppingcartsplus.com www.monicacobbeldick.shoppingcartsplus.com www.westshoremall.shoppingcartsplus.com www.vlender.com/c/cobbeldick http://www.vlender.com/r/rates-loans www.vlender.com/l/loans-rates www.lendinglogicnationwide.com www.monicacobbeldick.com www.bay-village-ohio.com/sell4free For a Northeast Ohio, full service real estate agent,contact Monica Cobbeldick today 440.250.8888 or e-mail SELLFORFREE@COMCAST.NET Bay Portal Companies is your preferred real estate finance source! Bay Portal is your complete real estate lending and investment company. Founded in Bay Village Ohio, the company is the home of 100% Residential Financing, Fast Commercial and Private or Hard Money loans primarily in NE Ohio and we have nationwide contacts, underwriters, co-brokers and investors. The company is approved with over 400 residential and commercial lenders and has a rolodex of private investors that can address any and all of your real estate lending and investment needs. Our Residential team includes mortgage brokers that specialize in A-Paper to sub-prime, purchase or refinance residential mortgage loans. The company offers various loan products for all those unique needs. Whether it is money for debt consolidation (home improvements, a new car, or child's college education), purchasing a new home or just lowering that monthly payment, Bay Portal can tailor a loan to specific needs and we make the process simple and hassle-free. Our Commercial team includes licensed mortgage brokers that specialize in arranging commercial property loans and financing. A commercial property loan is structuring funding or financing for a new or existing property. Commercial property may be any actual property engaged or focused in business, including but not limited to, apartments, condo projects for re-sale, multifamily, office buildings, industrial, warehouses, shopping centers or malls, sub-divisions and land. Our Private or Hard Money team includes licensed mortgage brokers that fund Real Estate investments secured by trust deeds on Real Estate. Examples include but are not limited to land and development projects (i.e. construction loans, rehabs, condo conversions, and etc.), income producing properties (i.e. apartments, office buildings, etc.) and owner and non-owner occupied residential. Bay Poral offers these loans, which are all secured by Real Estate, to investors who seek a secured investment that earns significantly higher returns than other fixed income investments. Need to pre-qualify yourself or a client? Simply call one of our team members and we can help you today! 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How We Do Business   http://www.vlender.com/1003app.pdf   https://www.marketrends.net/click1003/ssl/users/lendinglogic/clickframe.pl

We eliminate hassles and expedite the process by matching the loan product TO YOUR SPECIFIC NEEDS, CREDIT PROFILE AND SENSITIVITIES - - - not the other way around! Get the best commercial or residential mortgage out there! We Offer FAST FUNDINGS on Commercial, SBA and Business Loans FDIC Residential Nationwide Lender + WE CO-BROKER COMMERCIAL LOANS! 200k - 500 million-dollar loans currently in our commercial pipeline When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you. Commercial Real Estate AND an FDIC Direct Lender! Buying a new home or Commercial Business is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there. HERE ARE THE DOCS NEEDED FOR COMMERCIAL / SBA: Here is what you need to submit your scenario if you are a co-broker or a borrower... ***Form 1003 - FNMA loan application Tri-Merge Credit Report - ALL THREE BUREAUS Certification and Authorization Form Bio/Resume reflecting investor experience / industry experience Environmental disclosure Copy of current rent roll - copy of leases Copy of most recent title insurance policy Copy of purchase agreement (where applicable) Copy of hazzard insurance policy Copy of survey .JPEG images of property/land/buildings (compilation of exterior and interior) Copy of most recent real estate tax bill Executive Summary stating what does this scenario make good strategic sense to pursue Personal and Business Financial Statements Check for $350 for Underwriting and Admin Fees (once RATE/TERMS/FEES accepted by borrower) Click the Green Link to Apply! Fill out our 5-minute EZ Loan Application for PRE-APPROVAL! HERE ARE THE DOCS NEEDED FOR RESIDENTIAL APPS: Name and address of your employer(s) and copies of your two most recent pay stubs. Copies of your W-2 forms for the past TWO years. If you have income in addition to your salary, and you wish to have it considered, have copies of your federal tax returns for the past two years. If you are self-employed, have copies of your federal tax returns for the past two years, and copies of your company's year-to-date profit & loss statement, along with a balance sheet prepared and signed by an accountant. Name and address of any financial institution(s) where you have accounts, and copies of your three most recent statements. If you already own property, have the name and address of any institution(s) that holds your mortgage(s) on that property, and copies of your recent statements. A signed copy of your deposit receipt or purchase agreement for your new home. An estimate of your outstanding debt, along with account numbers for your credit cards, outstanding loans, mortgages and bank accounts. Any other information that might give a clear picture of your financial situation. During the loan process, you may be required to provide additional information not mentioned above to speed the approval process of your application. Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan! Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals. Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anybody else! Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.

Fairness and Trust You Can Rely On Thank you for choosing us as your mortgage planners! My name is Bruce Cobbeldick.I would like to encourage you to look to myself, or my associates, Ken Tonegato, or Rick Newbrough for your lending solutions! We are veteran mortgage lending professionals who are committed to serving you in the best, most comprehensive way possible.  Our business experience includes being business owners, investors and property managers, so rest assured we approach every scenario from the angle of wanting to eliminate hassles and speed up TIME TO VALUE for our customers, borrowers, realtors and investors!  We fund our loans F-A-S-T.  And we offer everything from A Paper Full Doc to Reverse Mortgages and from Interest Only Residential Loans to Commercial Real Estate Mortgages.  Ask us about our Fax-Back Loan Comparison Service and our Commercial Real Estate Rebates that refund your EPA or your appraisal fees! For over five years I have been providing borrowers with a level of service that has exceeded the competition in every way. I offer energy, commitment and a degree of experience that you can find nowhere else. For example: I offer all of my clients a multitude of program options that let borrowers feel involved in every step of the mortgage lending process. I conscientiously compare and contrast Lender’s rates and programs everyday to assure the best product for my clients. I provide credit counseling classes for first time home buyers. It is important to understand credit reports and how to solve the many issues that can often cause delays in the home buying process. I am a tireless advocate for my clients, working day and night to assure them the best rate for their personal circumstances. Just read what past clients have to say: Testimonials We are a member of the National Association of Mortgage Brokers as well as the Ohio State Association of Mortgage Brokers. We are proud to be members of the Lake Erie Landlords Association Vendor Board and NARI,  PRO Remodelers and CABOR. We work with the Home Builder's Association and a variety of developers, financial planners, CPAs and realtors in order to help our Value Web better meet our customers' objectives for getting the kind of low cost loan and service they expect and demand!

For Businesses Looking To Buy Or Refinance http://www.vlender.com/r/rates-loans/contact_us.html http;//www.ohioloans.shoppingcartsplus.com www.floridaloans.shoppingcartsplus.com http://www.californialoans.shoppingcartsplus.com http://www.northcarolinamortgages.shoppingcartsplus.com http://www.virginiamortgageloans.shoppingcartsplus.com http://www.commercialmortgages.shoppingcartsplus.com www.realestatemortgages.shoppingcartsplus.com http://www.realproperty.shoppingcartsplus.com www.realproperties.shoppingcartsplus.com http://www.realtorsandloanofficers.shoppingcartsplus.com www.homesforsalenationwide.shoppingcartsplus.com www.loanlogic.shoppingcartsplus.com www.lendinglogic.shoppingcartsplus.com www.brucecobbeldick.shoppingcartsplus.com www.monicacobbeldick.shoppingcartsplus.com www.westshoremall.shoppingcartsplus.com www.vlender.com/c/cobbeldick http://www.vlender.com/r/rates-loans www.vlender.com/l/loans-rates www.lendinglogicnationwide.com www.monicacobbeldick.com www.bay-village-ohio.com/sell4free

HOME LOANS 8 Questions You Must Ask When Applying for a Mortgage Insider Secrets on How to Lower Your Interest Rate Request an Estimate of Closing Costs 8 Mistakes Borrowers make When Applying for a Mortgage How Does the Debt-to-Income Ratio Work?

Our Network of Lenders, Investors and Conduits Is Impressive! Full-doc, ARMs, Interest Only and Reverse Mortgages                               Stated and No-doc Commercial, SBA and Hard Money

We facilitate loans that offer the most money (LTV) at the least possible cost (low fees, fast fundings, reliable service) Thank you for looking to us for your low-cost loan.  We appreciate your interest in our cooperation. Our goal is to return all phone calls within 1 hour and provide pre-qualification letters with same day service.  We offer both commercial and residential loans from lenders, investors, hard money sources, Wall Street and conduits.  With more than 600 sources for financing your home or business, we offer our clients choices in either full-doc or stated income-stated asset programs. In order to expedite your mortgage loan application, it is imperative that we have the following items to assemble a file that will meet our underwriter’s policies and procedures: We need  2 years financials on your business, its estimated appraised value, the current loan amount if it is a refi, or its purchase price.   We require point of contact and financial information on the owners as well as annual revenue and expenses.  Depending on whether or not this is a full-doc loan, a standard 4506 form maybe required. We ask for bank statements, tax filings and financials for the past 3 years if possible. Minimum of 2 years required.  For traditional financing, a credit score of 600 and above is needed if the mid-score is below 600, or turn-around time is less then 30 days, a hard money source can be offered for scores below 600 or closings that require funding in 21 days or less.  If you are interested in a residential home mortgage or investment property, we need a 1003 application filled out, signed and dated as well as your written permission to pull a tri-merge credit report, along with a loan submission sheet in order to secure a pre-approval letter.  This all can be done in a timely manner if we have our borrower(s) cooperation and the documentation listed herein. Thank you once again for looking Bay Portal Companies, Inc. for the low-cost loan you deserve!   All the best,   Bruce Cobbeldick, Director Rick Newbrough, V.P. Ken Tonegato, General Manager

Time To Value How much time do you have to close on your deal? What is your opportunity cost? Can you afford to miss out on a bargain-priced opportunity? Want to take advantage of today's rates - NOT tomorrow's? These are some of the common business types can we do Commercial Real Estate Loans for  ... Auto Rental Yards, Auto Service, Bed and Breakfast, Building and Construction Loans, Car Wash, Church Buildings, Combination of Commercial and Residential, Day Care, Funeral Homes, Hotel and Motel, Light Industrial, Mobile Home Park, Multi-Family 5+ Units, Non allowed building types, Office, Restaurant, Retail Sales, Self Storage, Warehouse,   Fill out our 5-minute EZ Loan Application for PRE-APPROVAL!