October 2008

Dear Bankers/Brokers

At UniTrust Mortgage we’ve been providing private money loans for over 10 years, in addition to our institutional residential lending programs. Our private money loans offer needed capital for all types of residential and commercial real estate, including land and construction. These funds are sourced from private investors; individuals and entities looking for strong, alternative investments. We’re proud of our 10 year track record of cutting edge, financing alternatives for borrowers seeking private financing and strong, secure returns for investors. In fact, our investors have consistently received returns of 9-12%; in some cases the yields have been even higher. For example, one of our recent commercial loans provided investors a 19%+ annual return. These loans are all secured by real estate at conservative loans-to-value.

Let’s be honest. The last two years have been filled with a steady stream of bad economic news: credit markets in turmoil, rising oil prices, seesawing stock markets, crumbling financial institutions, and real estate values in decline. With all the bad financial news out there it’s time to share some good financial news at last!

Many investors have been wondering what other investment options are available to them. They want to earn decent returns without taking a ridiculous amount of risk. And they’d like to know their investments are being managed by individuals and organizations that are sincere in trying to protect the integrity of those investments.

Investment property owners, developers, and average homeowners are feeling the wrath of the current lending environment. Ever-tightening guidelines and a serious lack of liquidity among banks and credit markets have made even the strongest of borrowers question their ability to get a loan. As a result many solid borrowers and their commercial/residential properties are unable to get the financing they need to move forward.

The private money program at UniTrust Mortgage is designed to overcome these challenges for both borrowers and investors. Please review the enclosed material which will give you more information on what we’re talking about. Whether you’re a potential investor or a borrower, we invite your inquiry. Call or email us and we’ll do everything possible to meet your needs and earn your trust. After all it’s in our name…

Sincerely,

Ilan Awerbuch
Vice President
858-404-7300 ext 121