When you think about a company having ‘investment experience,’ what image does that conjure up? Stodgy bankers wearing suits with mountains of paperwork? Or a streamlined company full of seasoned professionals ready to take care of your assets?
The team at American Mortgage Fund (AMF) is breaking the mold and putting it all back together in an entirely new fashion. With more than forty years of combined lending, finance and real estate acquisitions experience, the AMF team is quickly building their reputation as one of the best asset-backed funding groups in the business.
If you’re new to the area of personal investing, especially mortgage investing, you’ll want to work with someone who has the experience and expertise in structuring investments. David Crantz, principal member of the AMF team, states “the easiest way to get started is by putting money into a mortgage investment fund. Through that process, you can make connections with investment professionals who know how to find borrowers, choose profitable investments, and structure deals.”
Crantz adds, “real estate investments, either direct or derivative, have historically been among the safest forms of investing.” In addition to being safe, mortgage investing yields a substantially higher return than other fixed income instruments, such as bank deposits, CDs and bonds (to the tune of 11% vs. 1% - 3%). “In the long run, mortgage investing even outperforms the stock market,” he says. “This fact, coupled with the intrinsic safety of ‘brick and mortar’ assets make mortgage investing among the best options available in modern capital markets.”
Although many different types of investments relate to the same collateral, AMF deals with a diverse asset class. Returns may be higher with a direct investment, but so is the capital investment and investment horizon. Looking at factors like additional cash investments and tax rates can influence your investment decisions. So, you must ask the questions; Is it capital intensive? Are there capital gains to take advantage of when it comes to interest deduction? Are there lower taxes?
“Mortgage investments secures loans in real estate and generates returns from income - not from capital appreciation. Since mortgages usually mature in less than five years, the investment horizon is shorter and finite when compared to direct investment in real estate,” says Crantz. Single family homes, multifamily units, retail, office, and industrial are just some of the investments American Mortgage Fund structures.
Real estate borrowers often wish to take advantage of a purchase opportunity - a situation that requires cash liquidity or the ability to access immediate cash by utilizing the services of a private lender like AMF. Another scenario gives flexibility to borrowers that need it by allowing time to reorganize holdings and reestablish solid credit.
In some cases, borrowers do not fully meet the stringent credit and capacity requirements of an institutional lender, even though they may have sufficient collateral. For this situation, private loans can be a great win-win option for both parties. The borrower wins because he or she gets the loan they desire, and the private money lender, or investor, wins because they can create an opportunity to earn above-average returns.
“Our typical borrower is a self-employed individual with an immediate need for cash. They see an opportunity in hard money lending that allows for a quick close when banks are typically in a 3-4 month lead time.” With a maximum loan-to-value ratio of 55% on commercial and 65% on residential real estate, investors funds are conservatively structured to deliver an average portfolio yield, giving a typical 11% net on underlying property interests. All deals are sourced within the United States, using appraisal reports from nationally reputable third party companies.
HOW IT WORKS
American Mortgage Fund’s loans are asset-based with the real property as the basis for the lending decision. If a property is able to produce sufficient income, the note and the value of the property will fully secure the loan and provide adequate equity. In this program, the borrower’s credit is not an issue. Rather than focusing on the details of a borrower’s credit history, as institutional lenders would, the professionals at AMF concentrate their due diligence on the real estate collateral securing the loan.
“AMF only invests in mortgages secured by first deeds with a conservative loan-to-value ratio,” says Crantz. “For this reason, our investors have a substantial safety cushion in the event that the property value drops dramatically, thereby providing the best protection for the principal capital. Further, we diversify our investors’ capital across a broad range of geographic areas and assets.”
As private mortgage lenders, Crantz and his team provide the professional real estate investor and property owner with the ability to borrow on underwriting criteria not available through traditional institutional lenders. Among the other unique advantages of transacting with a company like AMF includes the speed of closing the transaction. American Mortgage Fund is able to close most loans within two weeks or less compared to the six week or longer timeframe required by an institutional lender.
The fund has a limited lifetime of three years, after which investments are liquidated and principal capital is returned to investors.
AMF’s collective industry experience instills confidence that they will be able to offer their investors consistent high yield returns and the highest level possible of investor services. “We’re passionate about giving you the returns you deserve after a lifetime of investing wisely,” adds Crantz.
If you’re looking for a wealth of experience in your investment strategy, American Mortgage Fund and trust deed investing is the perfect vehicle for you.
For more information, call (800) 359-1111 or visit www.earn11.com. American Mortgage Fund is located at 4 Hutton Centre Drive in Santa Ana.
My sister was hit by a snowboarder when she was sixteen. On skis, just a couple of turns from the bottom of the hill - in plain sight of a SLOW sign. The snowboarder was young; not as young as my sister, but still, a young man. My parents, long-time skiers, contacted him directly, trying to see if they could get any results at all: any reparations for their high-school sophomore, laid up on the couch for innumerable weeks. There was nothing they could do. I remember feeling helpless as a child, watching the entire drama unfold. I can’t imagine what my parents must have felt. No one could help. No loopholes. No empathy, from anyone else involved.
There is a longstanding joke in the mainstream media that all lawyers are snakes. The word attorney no longer brings to mind the grainy black and white image of Gregory Peck defending the downtrodden as Atticus Finch. Certainly, in some cases, the joke must contain some shred of truth. But at Allen, Flatt, Ballidis & Leslie, the welcoming, family-like environment they’ve curated isn’t too far off from the home ambience of the fictional Finch family. Folks who actually want to do good in the world. Right wrongs. Obtain real results.
Suzanne Leslie is a managing partner and attorney at Allen Flatt for more than 30 years, and prides herself on the reputation they have built. “Our years of experience have given us more knowledge in the personal industry field than other law firms can claim. What sets us apart is exactly as our tagline says: experience, compassion, results.”
As a firm, Allen Flatt have helped many families through the emotional trauma of a great many personal injury cases. Though they have attorneys that focus on estate planning, preparing wills, trusts, and contest matters, personal injury hits the closest to home. “We care about our clients, and our primary focus is to help them deal with the difficulties of being involved in an accident- be it pedestrian accident, automobile accident, slip and fall, or dog bite.” Handling the claims process for their clients lets them pursue their medical recoveries in peace, unlike my sister, or my parents. Fighting a losing cause often takes more energy than simply healing - or letting someone else rest, to do battle with their own body and take the necessary steps to get back to normal: whatever the new normal looks like.
Offering a free consultation, with the promise that no recovery means no fee, attorneys like Suzanne offer their services on a personal level. “I started out in the personal injury field to help people. I want to make sure my clients feel taken care of through every second of their claim.” Recognized by the American Institute of Personal Injury Attorneys and the National Association of Professional Women, Ms. Leslie has recovered millions of dollars for clients and thousands of settlements for clients.
“Everyone in the firm shares compassion for the clients more than on a business level, and many of us have had first hand personal experience in what they may be going through,” she says.
As a leader in her field, it is imperative to stay abreast of the newest strictures and developments in insurance law. The more she knows, the better her chances of winning your case. Atticus Finch would probably tell you that winning isn’t everything. But sometimes, to folks like my parents, to whom winning would mean seeing my sister get the reparations for her accident paid out, and letting her find her way back to walking again, winning is the only thing.
It’s no surprise why Wig-Wag Dog Grooming is a favorite of San Juan Capistrano residents. Is it because groomer and owner Liana Brown and her team make absolutely sure that your dog is the only star of the show while its being groomed? Perhaps. Is it because Wig-Wag offers a variety of types and techniques that many other groomers do not? Very likely.
“We offer Japanese grooming styles, which is so much fun for us, the pet, and the owner!” says Liana. “Japanese grooming styles focuses on the cute-factor of the dog, so we can get pretty creative. It’s a great idea for senior dogs, and we recommend if they get a Japanese style they come in every 8 weeks as opposed to 4-6 weeks with regular grooming. It’s been fun to see people’s reactions to the adorable transformation.
Liana adds that another popular technique employed at Wig-Wag is called “carding” for sporting breeds and terriers. The benefit of carding results in a polished, natural look for your pet. It might mean more time and concentration on the part of Wig-Wag’s expert staff, but they says it’s a service absolutely worth your time.
“One of the most exciting and interesting aspects about carding is that it removes the dead undercoat, and the result is a beautiful shine,” says Liana. The fur doesn’t mat, whereas it can when it’s only been clipped. You know, there are so many super talented groomers who are well known for speedy service, but that’s not what we do. We will always offer the traditional styles of grooming, but for those pet owners who are looking for more, we’re happy to showcase our new talents! We think it’s imperative to stay on top of trends and looks for pets.”
Connect with Liana by calling (949) 291-8799. Wig Wag Dog Grooming is located at 32432 Alipaz St. In San Juan Capistrano.
The term “fast-casual” was apparently coined by Paul Barron in the late 1990’s. The creator of FastCasual.com, Mr. Barron’s claim to the phrase has been disputed, but the terminology certainly stuck. Restaurants have popped up all over the nation in the last twenty years that set claim to the phrase, and serve up a similar experience: moderately priced meals, self-service or limited service format, and made-to-order food with more flavors than your neighborhood McDonald’s or Taco Bell. With 33 stores in Colorado (and 3 under construction), six stores in Phoenix, three in Dallas/Ft. Worth and now three in California (Laguna Niguel, Riverside and Rancho Cucamonga), Tokyo Joe’s is no stranger to the craze of fast-casual. But they’re elevating the concept to an entirely new level.
Their first location in the Golden State is just down the 73 in Laguna Niguel (just off the Greenfield exit in the center across the street from the Regency Director’s Cut theater) introduces a new type of health food: from starters to make-your-own sushi and poke bowls. Always made fresh-to-order, using the best ingredients possible, the crew at Tokyo Joe’s abstains from adding trans fats, MSG, and preservatives into your dishes. Clean, fast cuisine seems like an oxymoron. Surely, in the age of fried everything, when even a salad has some additive thrown in for good measure. Not Tokyo Joe’s.
Offering vegan, non-GMO, and gluten free options, Tokyo Joe’s is on track to be one of the first fast-casual chains to offer real, healthy food at a really quick pace. Potstickers, chicken skewers with green onions and the house peanut sauce, or event the MoJOE Bowl: dark chicken sauteed with pineapple, egg, carrots, sweet onions, red pepper, in a sweet and spicy sauce, on a bed of steamed rice. At some of their locations they even offer Meal Plans, based off the advice of real trainers and coaches. Protein controlled meals for athletes (or anyone fitness minded) that offer balanced alternatives to the smoothies, supplements and shakes out there formulated with synthetic ingredients most everyone has trouble pronouncing. Kids meals arrive as a fun bento box with your little one’s choice of protein, rice, edamame or veggie mix, and mandarin oranges.
Had a quick fix at Tokyo Joe’s and can’t wait to go back for more? Receive a free starter just for registering for the Tokyo Joe’s Addict Club. A free entree on your half birthday, specials, and one point for every dollar you spend at the restaurant. Every 150 points gets you a free entree. And 150 points adds up fast, when Tokyo Joe’s becomes your favorite way to do fast-casual.
Tokyo Joe’s is located at 27981 Greenfield Drive in Laguna Niguel. For info, call (949) 427-4240 or visit www.tokyojoes.com
Capital Bank, a division of Seacoast Commerce Bank, a wholly-owned subsidiary of Seacoast Commerce Banc Holdings wecolmes Donald L. Solsby as Senior Vice President and Orange County regional commercial banking manager. Mr. Solsby is a 40+ year financial services veteran with an extensive background in all aspects of banking including business development, commercial lending, middle-market banking, and executive management, for several Orange County banks.
“We are extremely honored and excited to have Don join us at our Capital Bank division,” says Richard M. Sanborn, President and Chief Executive Officer. “He is an accomplished senior banking executive with a proven track record of getting results. His strengths in team building, attracting top talent, developing new business, managing key relationships, and representing the company in the community are second to none. There is no better banker to have on your team than Don and we are fortunate to have him with us.”
Mr. Solsby is a member and former Treasurer of the Newport Harbor Yacht Club, and is Treasurer and Board Member of the Cystinosis Research Foundation. Past affiliations include the Orange County Boy Scouts of America Council; The Executive Committee (TEC); former Board President and Treasurer of the Orange County Council on Aging, California Bankers Association, and a founding member of the Pacific Club in Newport Beach.
About Seacoast Commerce Banc Holdings: Seacoast Commerce Banc Holdings is a bank holding company with one wholly-owned banking subsidiary, Seacoast Commerce Bank, which includes Capital Bank, a division of Seacoast Commerce Bank. Both the holding company and the bank are headquartered in San Diego, California, with the Bank having full-service banking branches in Encinitas, National City, San Diego and San Juan Capistrano, California, and loan production offices in San Diego, Orange County, Los Angeles, Sacramento and San Ramon, California; Phoenix, Arizona; Denver, Colorado; Portland, Oregon; Las Vegas, Nevada; Austin, Dallas and Houston, Texas; and Bellevue, Washington.
February 3, 2018 in Segerstrom Hall
Segerstrom Center for the Arts welcomes Tony Award® and Emmy-winning performer Kristin Chenoweth for one-night-only on Saturday, February 3 at 7:30 p.m. in Segerstrom Hall.
The renowned actress and singer will perform a collection of beloved songs from stage, film, and her most recent release The Art of Elegance, her first album of American Songbook classics. The album debuted at #1 on Billboard’s Current Jazz and Traditional Jazz charts, and #1 on Amazon’s Vocal Pop chart. Chenoweth also returned to the stage in her limited engagement MY LOVE LETTER TO BROADWAY, at the Lunt-Fontanne Theatre, receiving rave reviews. In 2015, Chenoweth earned a Drama Desk Award, Outer Critics Circle Award and Broadway.com Audience Choice Award for her lead role in Roundabout Theatre Company’s On the Twentieth Century, again receiving rave reviews. She also received nominations for a Tony Award in the category Best Performance by an Actress in a Leading Role in a Musical and a Drama League Award.
Tickets for Kristin Chenoweth start at $59 and go on sale Sunday, September 10 at 10 a.m. and will be available online at SCFTA.org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, please call the Group Services office at (714) 755-0236.
Sunday, March 4, 2018 in Samueli Theater
Segerstrom Center for the Arts welcomes the Center debut performance of the acclaimed Ebène Quartet on March 4, 2018 at 2:00pm. Since coming to international attention after winning first prize at the ARD Music Competition in 2004, the Ebène Quartet has been thrilling audiences and critics with their superb renditions of classical favorites and arrangements of popular and jazz works.
What began as a distraction in university practice rooms has resulted in one of today’s most praised classical ensembles, renowned for its unique style and fresh approach to the chamber repertoire. The Ebène Quartet won the 2009 Gramophone Awards for both Recording of the Year and Chamber music. Quartet members include Pierre Colombet and Gabriel Le Magadure, violins; Marie Chilemme, viola; and Raphaël Merlin, violoncello.
Single tickets start at $29 and are available online at www.SCFTA.org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, call the Group Services office at (714) 755-0236.
Winter Wonderfest Offers Kids the Chance to Learn About the Science of Snow with Interactive Exhibits Featuring Real Snow
WHAT: Discovery Cube in Orange County is hosting their annual Winter Wonderfest, beginning December 16-17, 2017 for the opening weekend and open daily from December 22, 2017 through January 7, 2018. This snowstorm of thrills and excitement will offer kids the opportunity to experience a lesson in physics, insulation and how snow is formed through hands-on activities. The holiday exhibit will include sliding down a 75-foot long ramp on inner tubes, a snow play area and real snow sledding. Kids will be provided with tools to play with the snow and build snow castles, snowmen, snow angels, “snow meets science” learning stations and all kinds of other frosty creations. Winter Wonderfest creates an entertaining way to approach education through a day of family bonding during the holiday season.
WHEN: Saturday, December 16, 2017 through Sunday, December 17, 2017 and December 22, 2017 through January 7, 2018 from 10 a.m. to 5 p.m.(Open daily except December 18-21, and Christmas Day)
WHERE: Discovery Cube Orange County Campus: 2500 N Main St, Santa Ana
For more information, call (866) 552-CUBE (2823) or visit discoverycube.org.
Free Performances, Events, Music and Family-Friendly Activities Marked Day-Long Celebration
Segerstrom Center for the Arts opened its new Julianne and George Argyros Plaza and Center for Dance and Innovation on Saturday, October 28 with music, dancing, performances, family activities, bands and more from 11 a.m. until 10 p.m. More than 10,000 people and families from around the neighborhood and throughout Orange County explored the 56,100-square-foot plaza designed by Michael Maltzan, with its spectacular fountain entry, the grand spiral staircase that wraps around the new Center 360 outdoor café, leading from the Segerstrom Hall terrace to the plaza, shaded seating and dining areas, groves of trees for picnicking and permanent stages for year-round entertainment. The new plaza is named for Julianne and George Argyros, who provided funding for the transformation to the Center’s campus.
The Center for Dance and Innovation and Judy Morr Theater are now reached through a garden-like entrance at street level or from the Segerstrom Hall terrace by a sweeping circular ramp that encircles a fully- grown jacaranda tree and leads to a muraled outdoor terrace. The Center for Dance and Innovation is also home to the American Ballet Theatre William J. Gillespie School and the Center’s School of Dance and Music for Children with Disabilities.
Certain things in life I am very grateful for. These things include chocolate, wine, soul music and places like the Doheny Clothing Exchange in Capistrano Beach.
Picture this: racks and racks of men and women’s name brand or designer clothing and accessories, all gently used or sometimes new, at way, way less than the original price. And the beauty of it is I can bring in my own gently used clothing, and trade in for something different and better tting. The owners, mother and daughter team Pamela and Caia take the time to truly inspect each item and because they get new merchandise every day, their store stays fresh and new.
Personally, I love the fact that I can buy jeans here and I don’t have to spend the next few weeks trying to break them in. Plus, I can pick out a funky out t and know it’s not something everyone is wearing. That fact alone makes this place fabulous.
The Doheny Clothing Exchange is located at 34276 Doheny Park Road in Capistrano Beach