You are receiving this letter because you are a client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today we'll talk about an important turning point, when a little bit of deflation turns into a little bit of inflation... and perhaps later into a lot of inflation. And, as always from Blackburne & Sons, we have lots of clean jokes, gags, and funny videos for you.

Meteor Strikes Our Indiana Office

I was working out in our basement when my wife and daughter hurried downstairs, alarm clearly visible on their faces. "Dad! Dad! Have you been watching the news? The office has just been destroyed. Amazingly, someone happened to catch it on film."

Jordan held her iPhone up for me to see. I watched in horror as a meteor streaked out the sky, struck our little office building, and destroyed it utterly in a fireball of flame and smoke.

Suddenly, my girls couldn't keep a straight face anymore. They started laughing hysterically. Apparently Jordi had used some new iPhone application to insert special effects into a short video of our office that Jordi had taken. I have to admit that for a brief moment I had been completely fooled!

Payback is coming, girls... and when you least expect it. :-)

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.

Silly Joke

What's clear on the outside and gray on the inside? An elephant in a sandwhich bag. haha

Blackburne & Sons is Looking For Non-Owner-Occupied Home Loans in California.

We love investors and 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.

Blackburne & Sons has been in business for over 31 years now.

Stray Cat Joke

My friend Allison adopted a stray cat and took it to the vet to be neutered. "I’m about 90 percent certain he’s already been fixed," the vet said. "How can I be 100 percent sure?" Allison asked. "Watch to see if he does any ‘male’ things," answered the vet. "He already lies on the couch all day," Allison said. "If he starts hogging the remote, I’ll bring him in."

Deflation is Rolling Into Inflation

Despite the fact that the Federal Reserve injected trillions and trillions of dollars into the money supply, inflation hasn't been a problem. Why? Money was being destroyed faster than the Fed could create it (see my 2006 book, The Reverse Multiplier Effect - When Crushing Deflation Destroys America).

Recently, however, something important has changed. Banks are starting to make a few loans again. Money is no longer being destroyed by the multiplier effect working in reverse. Those newly-created trillions of dollars are finally working themselves into the money supply.

Tell your clients that now is the time to start snapping up rental homes. This is it, folks - the turning point!

This Historical Video is Soooo Interesting

In 1946, when the "greatest generation" came home from the war, some of them had to take up arms again in their own home town. This event earned a historic marker and a made-for-TV movie.

This video clip was obviously created by some pro-NRA supporters, so we here at Blackburne & Sons take no position on political aims of the video; but if you're a history buff, you'll find this video to be fascinating. But please finish this newsletter first, and then come back and watch it. It's about 14 minutes long.

The Battle of Athens

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

Six Cents Joke

Since my purchases came to $19.06, I handed the cashier a twenty. "Do you have six cents?" she asked. "Sorry," I said after fishing around my pockets, "I have no cents." "Finally," she muttered, "a man who can admit it."

Referral Fees for Commercial Leads

It's perfectly legal to pay referral fees for commercial mortgage leads, and we once paid a referral fee of $21,250. We'll gladly pay you 20% of our loan fee for just the name and telephone number of a prospective commercial borrower. Please call me, Tim Brannan at 916-338-3232 or email me at timb@blackburne.com.

For more information on referral fees, please click here

Horsefly Joke

One day we were watching a game when my mother-in-law shrieked from the kitchen, "Jim, there’s a horsefly in here!" Not taking his eyes off the screen, my father-in-law barked back, "Give it some cough syrup."

On a Personal Note...

Each loan officer should insert his personal paragraph here.

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 8.9% to 12.9%, depending on the safety of the deal and the desirability of the property and neighborhood. Most of our home loans will be either 9.9% or 10.9%. 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.

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