You cannot choose what happens to you. And trust me, God makes it rain on the just and the unjust so you are not the only person in the world who experiences tough situations. How you choose to respond to those situations is what makes your life better or worse. YOU ARE WHERE YOU ARE BY YOUR CHOICES, NOT YOUR CIRCUMSTANCES. The essence of being human is you get to direct your own life. Even genes, environment or upbringing is not an excuse. You don’t choose your genes, but you choose how you react to them. I can CHOOSE to eat healthy, CHOOSE to exercise, CHOOSE to not let stress bother me and someone else’s fate DOES NOT NEED TO BE MY FATE!

America takes the easy and cheap road of blaming everything else and it is a bunch of bull. We are where we are as a country, you are where you are as an individual, by your choices. Period. How LIBERATING this thought is!

Your past doesn’t matter anymore. That is SOOO exciting. You can choose today to break ties with your past and start anew. You can choose to eat better, exercise, get a good attitude, attack the calls with joy and vengeance and it is all a choice that YOU CONTROL! How awesome. All day long you make choices, and those choices determine your destiny. Make good choices.

And one of the best choices you can make to help your business grow is to utilize a commercial finance team that really cares about the end result, for the client, and for you.  We focus on what is the best solution for that client regardless of financials.  We move quick and stay in touch with you throughout the process so you never feel, “in the dark”.  AND I DON’T CHARGE ANY UPFRONT FEES.  You can step up to our service and there is no difference in cost or rate over whoever else you have used or that your client is using.  Just better service.

So if you want to have more closings, consider making the smart choice and giving me a call at 888-890-2416. I will respond quickly and I will help you and your clients succeed.  I look forward to serving you today!

Perry

p.s.  Remember, now more than ever, experience matters.  I can help you and your clients get into that property.  Just give me a call today at 888-890-2416.  The choice is up to you!  I look forward to serving you today…..

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Program Benefits

• No Credit Qualification
• Balloon Payment Deflation
• Adjustable Rates Fixed
• Past Due Payments Addressed
• Foreclosure Prevention and Stopping
• Relationships with most major lenders
• Interest Rates as low as 0%**
• Modification in 30 -90 Days
• Law Firm Backed

The benefits of our Commercial Loan Modification program are substantial and cannot always be quantified in dollars and cents.

For example, we can all agree that an interest rate reduction or the extension of your loan term to prevent a balloon payment or adjustable rate can be expressed in a simple math equation, right? On the other hand, consider the interest earned from increased cashed flow generated from those savings or the equity and returns gained by remaining in business during lean years which will only be realized by implementing a long-term solution.

See, most of our existing clients would not be in business today without the cash flow created by our strategic relationships with major commercial lenders. Imagine what it would be like if we were able to provide the same tangible, cash benefit to your business! Where would your business be in next three, five or ten years?

Submit your FREE Pre-Qualification today to see how much our Commercial Loan Modification can save you on the terms of your loan!

Free Cost Savings Analysis

We look forward to putting on paper the benefit of our program by providing you a Cost Savings Analysis at no cost or obligation!

Our free Commercial Loan Modification Pre-Qualification process gives us the information and insight we need to determine exactly how we can help you. All completed pre-qualification worksheets are reviewed by our seasoned negotiators and compared with previous loan modifications to determine the savings and cash flow we can add to your bottom line.

The typical turnaround for a no cost, no obligation Commercial Loan Modification Cost Savings Proposal is ten business days or less. Let one of our experienced negotiators review your pre-qualification worksheet to determine how we will can assist you today!

To receive your Free Cost Savings Analysis simply request the pre-qualification worksheet by sending an email to info@thefernandezgroup.com and Enter “Commercial Loan Modification Worksheet” in the “SUBJECT” Line and the pre-qualification worksheet will be emailed to you. Or call our office at (888) 890-2416. Shortly after, the savings analysis will be emailed directly to you upon completion.

Remember, getting started is easy and costs you nothing to find out your potential savings!

Industry Leading Results

The good news is we are a full service company providing real-time status tracking via secure client portal. When it comes to your business investment you must be certain that you are working with a company that has your long-term best interest in mind.

Our Commercial Loan Modification staff consists of seasoned professionals with a minimum of ten years experience working directly with lenders in various capacities including underwriting, loss mitigation, valuation models and real estate law to ensure you receive the highest level of service, professionalism and results.

A careful approach and an understanding that your business needs to be positioned for long-term growth allows us to maintain a level of client satisfaction unrivaled in the our industry. We only take on new clients after thorough research and certainty that our solution will result in a strong value proposition for your business.

Feel free to contact one of our experienced professionals for more information on how we can serve your real estate and mortgage needs.

Contact Us

We are here for you and look for the opportunity to earn your referral business!

The Fernandez Group, a branch of a national commercial lending company, was started by Perry Fernandez to capitalize on the commercial loan requests. Over the years, we have learned the nuances of the commercial lending arena and now have the team in place to provide the great rates and flexibility of a broker with the underwriting knowledge of direct lenders. In so doing, we can fill the void between the local commercial bank with its slow approvals, rigid terms, zero follow-up and restrictive criteria and the “hard money” lenders who will give you 15%+ rates.

In fact, we will help structure the deal and can often get the loan approved with banks and lenders that you would be unable to get done. Plus, through a strategic alliance, we are a direct lender and correspondent lenders with several national banks–which means better pricing for you and your clients; and we have access to all of the nationwide lenders and direct conduits to Wall Street money.

As the numbers of deals we do grow, and the database of lenders that respect our underwriting grows, our ability to provide truly the finest service and terms available is reaching new highs. When you bring your deal to The Fernandez Group, you are getting a partner that will help you get the right deal for your dream. At The Fernandez Group, no dream is too big!

We are fast becoming the most proven player in the commercial lending space and we look forward to working with you to make your commercial dream a reality.

Think Big!

Perry Fernandez

888-890-2416
info@thefernandezgroup.com

http://thefernandezgroup.com

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I kept putting off doing anything with Social Media because 1. What I saw of Facebook was a bunch of people getting sucked into time waster activities like finding out who feels blah today.  And 2. I was honestly scared of getting too busy as I was already very busy and have precious little time to update people on status, etc.

The first thing I learned is that “friend” pages are one thing, but “fan” pages are where real business is transacted.  On fan pages you are allowed to market, to sell, and grow your business.  Facebook actually does not want business transacted over Friend pages and they may even black ball you for it. You don’t want to get blackballed by Facebook. Now personally, I hate the name, “fan page”, it sounds like you are following a sports icon or Hollywood star.  But it is not like that at all.  If you want to start increasing your business through social media, get a Fan Page.  Check out mine below and though it still sounds corny to me, sign up to be a fan.  I will keep sharing with you guys what I learn as I go through this process and adding as much value as I can to those who team up with me…..

http://www.facebook.com/pages/San-Jose-CA/The-Fernandez-Group-Investment-Property-and-Commercial-Loans/289168385757?__a=8

The second thing I had to come to grips with is the fact that the “fear of getting too busy” is a limiting belief.  It is an early form of sabotage.  More income does not mean you do more work.  That is a HUGE limiting belief that MANY people have.  And even though I recognize this as a limiting belief, I was still putting off jumping into this social media thing out of fear of “busyness”.  So I told myself to get out of the way and I jumped in.  And honestly, it is not that bad.  I added fans last week, my first week, and my workload did not increase.  And it is always that way with limiting beliefs, the thing you fear is actually not that scary at all.  I saw this quote from a friend of mine, I thought it was awesome, “If we change the programming that is behind the thought that causes a limiting belief we can change our entire reality.  We have to be aware of the programming that probably came from childhood first”.

If you find yourself constantly putting off the thing you know you need to do, go deeper.  There is some programming somewhere that is wrong-maybe you think you don’t deserve so much success, so you are subtly sabotaging yourself.  Or maybe you think that being successful equals having no life-again, a false idea that is really a flaw in your programming.  The bottom line is this, success is yours for the taking.  No one can keep it from you but you! The opportunity is still HUGE in this country to make something of yourself, so face your fears and limiting beliefs and get out there and do the thing you fear and have the power!

Perry Fernandez

P.S. Don’t forget, I am more than just someone providing tips, I am a serious broker who can get deals closed.  Give me a call today and let me help you close more commercial loans…888-890-2416.

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You Are The Heroes!

“The credit belongs to the man who is actually in the arena; whose face is marred by sweat and blood; who strives valiantly; who errs and comes short again and again because there is no effort without error and shortcoming; who knows the great enthusiasms, the great devotion, spends himself in a worthy cause; who at best knows in the end the triumph of high achievement; and who at worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who have never tasted victory or defeat.”-Theodore Roosevelt

As I powered through the week, taking calls, making calls, writing loans and booking deals…I was stunned at the overall negativity amongst most.  I would call a lender to run a deal by them and they would sound like their mother just passed away.  I must admit, one of those days I got down myself as the sheer vastness of everyone’s depression, combined with some temporary sales defeats, had me temporarily focused on the negatives all around me.  But as I woke up the next day through my routine, I got myself fired up again, and realized that you guys are the heroes in this marketplace.

Sales people, mortgage people, Realtors, those that are left in the arena are the hope of this time.  Most people are looking to the Government, and begging them to take control of more and more, but I don’t think that will fix things long term.  More government, in my opinion, is a band-aid, not a solution.  The solution resides with us, those that are left in the arena.  It is on our efforts, our creativity, our ridiculous optimism that the tide will eventually turn.  You may think your labors amount to nothing, and that you are at the mercy of forces beyond your control.  And in many ways, you are.  But you can still control your response, you still have a say in how your life will play out.  And you ARE out there making it happen.

I want to encourage you to stay in the arena because the country needs the fighters.  If you are still in this market at this point then you are a fighter.  You, not the government, are the true hope of this country.  People need positive people, they need hope, they need good stories.  They need heroes-they need you.  And many of you are having awesome years. True, many Realtors and mortgage people are struggling.  But if you are reading this, then you are still in the game.  You are still fighting.  You are still experiencing the high’s, the low’s, victory and defeat.  It is Roosevelt’s quote being lived out each day.  And if this economy does completely crash and the banking system collapses, then I am going to crash greatly, for my place is NOT with the cold and timid souls. I know both victory and defeat.

And I think we can accomplish so much more if we work together to help each other’s businesses. Let’s touch base if for no other reason than to encourage each other.  Give me a call at 888-890-2416 or email me at info@thefernandezgroup.com and let’s do lunch or coffee and discuss ways to succeed together.  Two are better than one, let’s join forces and craft our own destinies out of this trying time.  Talk to you soon!

Perry

p.s. To find out more about our Commercial Financial capabilities that can help you close more transactions, or to just touch base and try to encourage each other during the battle, give me a call today at 888-890-2416 or email me at info@thefernandezgroup.com.  I would love to get together with you and join forces to build an awesome future.

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]]> http://thefernandezgroup.com/2010/04/22/put-on-your-cape-and-fly/feed/ 1 thefernandezgroup http://thefernandezgroup.com/2010/04/12/exponential-business-growth/ http://thefernandezgroup.com/2010/04/12/exponential-business-growth/#comments Mon, 12 Apr 2010 18:52:15 +0000 thefernandezgroup http://thefernandezgroup.com/?p=89 ]]> Exponential Business Growth

Your database is an infinite source of revenue for you.  200 names marketed with alternating methods, such as emails and phone calls are good for a MINIMUM of 5 closings a month when done consistently (emails one month, phone call the next).  You just see 200 names, but those 200 people each know 50 people on a first name basis which makes the database 10,000 and don’t you think you can get just a small percentage of that?  Included in most people’s 50 “fast” names are insurance people, as well as colleagues, friends, church members, attorneys and more, the opportunities are endless!

And in tight times, you can add more value than ever before with a simple follow-up system of alternating emails and phone calls will have you top of their mind and inexpensively as well.  A common question I get goes something like this, “Perry, what do I talk about when I call these people? Especially when I just talked to them 2 months ago?  I was just wondering what kind of conversation topics you might suggest when you are talking to them that often?”

That first call after the first value added email should be a simple, “Just calling to make sure you received the helpful info I sent you” and then move into the best question of all…

“so how are things going?”

The key is to get them talking about their life and especially their problems because in the issues are the opportunities to sell other things…refer them to your affinity partners, etc.

The key is relationship, building trust, solving their problems and if everything is hunky dory, try to at least get a referral …something. Everyone needs to know a good Advisor, especially now as the market has changed.  Make sure they have all your contact info and know that they can refer you.  You do that on every call and you will be winning the game big time.

Remember, don’t make this hard…don’t call to sell them something.  Call to check in, make sure you have their info correctly in your database, check to make sure they received your helpful info, and then ask them “how they are doing” and listen.  Your database is a goldmine just waiting for you to tap it….

Perry

P.S.  Remember, in tough times, often a good commercial mortgage firm can make or break a deal.  Call me today to review not just changes in the industry but ways that we can help grow your business.  We are more than a brokerage-We are trusted advisors COMMITTED to YOUR success.  Just give us a call at 888-890-2416 or email us at info@thefernandezgroup.com

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The Fernandez Group has private commercial real estate providers of debt and equity nationwide. They partner with, and provide initial transaction terms and due diligence with sponsors, investors, and borrowers who can co-invest on the following types of transactions:

1. Distressed note acquisition
2. Distressed note financing
3. Distressed asset financing
4. Project recapitalizations
5. Existing loans
6. New acquisitions
7. Short term bridge loans

Products consist of deals from $1MM to $7MM and range from 1 to 4 years. If you or your client is in need of such financing please contact our team by clicking on the following link: Submit Scenario

The Fund’s strategy is to be a provider of capital in this market, versus a buyer of assets.

The focus of the Fund will be to provide capital in the form of debt, participating debt, preferred equity and equity. The Fund seeks to work with the following sponsors:

1. Sponsors who have an opportunity to repurchase their debt.
2. Sponsors who are in need of recapitalizing or restructuring their existing debt.
3. Sponsors who have new opportunities under contract (fee simple acquisitions or note acquisitions).
4. Legacy lenders wishing to sell or joint venture their problem assets.  The Fund has developed a “private bad bank” model, designed to assist privately held community banks in removing troubled assets from the books without a write off and being able to maintain upside.

The Fund is focusing on the smaller balance space, and transactions in the $500,000-$10 million range.  Yield requirements start at 12% and increases based on the risk profile.  The Fund does not typically require recourse or yield maintenance, and transactions can typically be prepaid at any time.

If you or your client is in need of such financing please contact our team by clicking on the following link: Submit Scenario

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“Discipline: The Path to Potential

By Dr. John C. Maxwell

He may have been the most naturally gifted baseball player of all time. He was clocked rounding the bases in an incredible 13 seconds. Yet, his speed was nothing compared to the power of his hitting. It’s been said there were home run hitters, and then there was this man – in a league of his own. The Guinness Book of World Records credits him with hitting the longest home run ever measured, at 643 feet.

The player I’m describing is the great Mickey Mantle. By the age of 19 he had been called up to play for the New York Yankees. He won a World Series his rookie year, and his teams would capture seven championships over the course of his career. By the time he retired, Mantle had played more games as a Yankee than any other player, and had been named MVP of the American League three times. He still holds the all-time World Series records for home runs, runs scored, and runs batted in.

Yet, in spite of his impressive accomplishments, experts believe Mickey Mantle never reached his potential. Most blame Mantle’s chronic knee injuries for preventing him from doing more. But injuries weren’t the root of the problem. What most people didn’t know was that Mantle was a raging alcoholic.

At age 62, with his health and family life a mess, Mantle checked into the Betty Ford Clinic and started the long road to sobriety. Looking back from this vantage point, he assessed his career:

I never fulfilled what my dad had wanted [to be the greatest player who ever lived], and I should have. God gave me a great body to play with, and I didn’t take care of it. And I blame a lot of it on alcohol.

Everybody tries to make the excuse that injuries shortened my career. Truth is, after I’d had a knee operation the doctors would give me rehab work to do, but I wouldn’t do it. I’d be out drinking… I hurt my knees through the years, and I just thought they’d naturally come back. Everything has always come natural to me. I didn’t work hard at it.

Despite his great natural talent, Mickey Mantle never disciplined himself off the field. By the time Mantle was ready to change, it was too late. His liver was ruined from a life of alcoholism, and he died at age 64 from inoperable cancer.

Four Truths about Discipline

What were you born to do? What is your dream? To become the person you have the potential to be, you have to cultivate a life of discipline. Consider these truths concerning discipline:

Discipline Comes with a Price Tag

Discipline is costly. It demands a continual investment of time, energy, and commitment at the expense of momentary pleasure and ease. Discipline means paying hours of practice to win the prize of skill. Discipline means giving up short-term benefits for the hope of future gain. Discipline means pressing on to excellence long after everyone else has settled for average.

Discipline Turns Talent to Greatness

When you read about someone like Mickey Mantle, you realize that too much talent can actually work against someone. Super-talented individuals can coast on sheer ability and neglect building the daily habits of success that will sustain them. Poet Henry Wadsworth Longfellow shared much insight when he wrote:

The heights by great men reached and kept
Were not attained by sudden flight,
But they, while their companions slept,
Were toiling upward in the night.

If you want to reach your potential, attach a strong work ethic to your talent.

Discipline Focuses on Choices, Not Conditions

In general, people approach daily discipline in one of two ways. They focus on the external or the internal. Those who focus externally allow conditions to dictate whether or not they remain disciplined. Because conditions are transitory, their discipline level changes like the wind.

In contrast, people with internal discipline focus on choices. You cannot control circumstances, nor can you control others. By focusing on your choices, and making the right ones regularly, you stay disciplined.

Discipline Does Not Bow Down to Feelings

As Arthur Gordon said, “Nothing is easier than saying words. Nothing is harder than living them, day after day. What you promise today must be renewed and redecided tomorrow and each day that stretches out before you.”

If you do what you should only when you really feel like it, then you won’t build disciplined habits. At times, you have to act contrary to emotions. If you refuse to give into your lesser impulses, no matter how great they will make you feel in the moment, then you’ll go far.

Summary

Discipline is a matter of taking total responsibility for your future. Choose not to blame circumstances for the outcome of your life. Choose to go beyond your natural talent. Choose to make wise decisions repeatedly. Choose discipline as the path to your potential.”

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The High Cost of Fear!

Based on the news, I can’t believe there is anyone still alive to read this…you would think every Realtor and mortgage person is already dead on arrival.  But I have news for you…the only thing we have to fear is fear itself-apologies to FDR!

Let me ask you three questions….First, which is riskier…Nuclear power or sunlight?  Second, which animal is responsible for more deaths in the US…alligator, bear, deer, shark or snake?  Third, which causes the greatest number of fatalities worldwide on average….war, suicide or homicide?

Chernobyl was the worst nuclear accident in history.  By 2006, 20 years after the incident, there were less than 100 people who have died from that incident.  8000 Americans are killed EACH year due to skin cancer, mostly caused by overexposure to the sun.

Each year, deer cause 130 human fatalities, 7 times MORE than alligators, bears, snakes and sharks COMBINED!  Deer don’t pack heat, they just step in front of cars….

In most years, war causes less fatalities than homicides…and suicides cause twice as many deaths as homicides.  All of this is to remind us that much of the world’s misfortunes are not caused by what we are afraid of but by BEING AFRAID.  At Chernobyl, panicky business owners fled, unemployment and poverty soared.  Anxiety, depression, alcoholism and suicide were rampant.  There was such fear among mothers about their unborn babies’ health that there were 100,000 unnecessary abortions.

So what is the point of all this?  Unless you are close to retirement, go ahead and play golf, work hard, enjoy your family, continue to invest and save….you WILL live to see brighter days.  And oh yes, turn off the news…it’s poison.

Perry Fernandez

P.s. There has never been a better time to buy real estate!  We are here to help take your business to the next level.  Our help is free and our success stories continue to grow.  Call me today and I can explain to you all the many ways I can grow your business from our commercial loan products.  WE ARE HERE TO HELP!  Call me today at (888) 890-2416 to set a time to get together and brainstorm ways to help your business. Be Blessed.

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Yet you cannot get to where you want to go if you do not clearly define where you want to go.  And although this is plainly obvious, somehow we miss the part of sitting down and writing out clearly what success looks like.  So as we hit the onset of the 4^th quarter, what better time then now to sit down, get by ourselves somewhere and write down where we want to go.  It starts with a mission statement.  Why are you here?  What is the purpose of your job, your life?  I know this gets beyond the realm of work but really, is not life one indivisible whole?  Work is a means to an end but can also be the end in and of itself.  Your work could be where you impact the world for good.  At least where you impact the lives of the people you help into investments.  And then from your surplus you can take some of it and apply it to great needs in the world.

Most people forget that they are part of the human race and they are here for a reason.  One guy was telling me, I love my life.  I go into work every day and put almost no effort in and yet I always close the same amount and it is enough to meet all my needs.  To him I would say, Why are you holding back?  If it takes you 8 hours to do 2 hours worth of work and maintain your lifestyle then you should do one of two things, reduce your work hours to 2 a day and spend the rest of the time at home building into your family or apply yourself better the other 6 hours to earn more income.  Then with your surplus, give to those in need.  As he sits now, he robs his family of time and robs the world of money that could be put to use.  That is not success- that is holding back.  He may be comfortable, but eventually that comfort will end.  You can not stay stationary, you either are moving forward or falling back.  So what is your mission?  A mission statement should be short, to the point, and fire you up.  It is the broad direction in which you are heading and with that in mind, you can then begin to define your vision of what success looks like.  The more clear you are on your vision the more likely it is to happen.

So take some time, think about where you want to go and get clear on it and then go for it!  The world is waiting for those brave people who clearly define success and then step up to the plate.  To you is the world and everything in it!

If you would like to discuss the capital needs for your business or real estate project please contact The Fernandez Group at info@thefernandezgroup.com or visit us online at http://thefernandezgroup.com

Consider using this loan to:

· Acquire a business

·  Buyout a partner

· Expand your business by adding space and/or equipment

· Fund the down payment on a real estate purchase

·  Improve your cash flow by refinancing existing debt including revolving accounts.

·  Term and amortization: 10 years (in some cases, 15-year is available) Longer amortizations available for
large equipment as well.

· Loan sizes from $100k to $5 Million

·  Conventional Financing – NO SBA GUARANTY FEES!!

· Interest rate: 7.50% – 8.50% APR Fixed for 5 years

·  Loan fee of 3% to cover all costs (excludes appraisal and title fees). This is financed into the loan amount
and included in the aforementioned rate.

·  NO PREPAYMENT PENALTY – pay this loan off at any time without additional fees/interest/penalties.

· The collateral for the loan is a first position lien on all business assets.(blanket UCC lien)

· Assignment of life insurance and disability or business overhead insurance for loans over $250,000.

· Personal guarantee of all owners. Borrowers must have at least one full year of experience as an
associate or owner.

·  Max documentation fee: $1,000 (this is covered with the 3%)

· Loan sizes vary and can be up to 100% of the purchase price in an acquisition as long as the practice is
priced within market. Refinances can be up to 85% of the average gross revenue of the practice for the
last 3 years.

· We do not require your office lease to be co-terminus with the loan term.

· Processing time: In and out in less than 30 days, barring delays due to appraisal or insurance

Our underwriters are professionally trained to keep the interest of the professional a priority.  They are experienced in working with borrowers of all sizes.  Thus, they can fund loans anywhere in the country!  So please give contact us today to see what we can do for you at info@thefernandezgroup.com or visit us online at http://thefernandezgroup.com