Skyline Financial Corp

The De$ousa Group

818-512-6866

Below is a list of some of the reasons to consider the De$ousa Group at Skyline Financial:

* I personally have been a Mortgage Banker working for Direct Lenders for 17 yrs since July '92, doing exactly what I do today.

* Skyline Financial is a Direct Lender with file control from
Origination to Funding and 6 offices in the Greater LA area.

* As a Direct Lender Mortage Banker, we offer the Process control of a Bank with the Product Selection of a Mortgage Broker.

* I am more interested in a relationship long term with you, the client, and everything I do from start to finish is geared for just that .. I do no marketing and rely completely on referrals from past clients, realtors and financial / tax planners .. hence my focus on your complete comfort, understanding and ultimately satisfaction & trust with the financial service from myself and my Group at SFC .. a long term focus.

* I have revised and fashioned a system of analyzing the numbers for you that largely simplifies the otherwise complex nature of the numbers and figures in this type of transaction and reduces everything to two simple financial numbers for you .. two numbers that will govern all we do.

* I will explain how I interpret your comfort zone in this arena and make a match between that and what your financial profile allows.

* I will run numbers for you on any and every home you choose, reducing it to the two numbers I described above .. I will do this at our initial meeting and then repeatedly on each and every house you want these numbers on until you find the ONE and enter into escrow.

* I will work with Jeff and Zan and form a formidable team
that will strategize tactically to get you the home you want at the best price that can be negotiated and the best interest rate that can be negotiated, beating out most of your competition (other buyers making multiple offers on the homes you want) and in many cases further negotiating this in a subsequent step to avoid you having to pay your closing costs out of pocket .. in many cases, our borrowers have moved in with just their minimum down and NO closing costs.

* I will make a conference call to the listing agent on EVERY
offer your Jeff and Zan feels it is necessary, stressing your financial strong points and ours as a lender, assuring them of a timely and expeditious closing .. this will most often make the difference in them accepting vs. rejecting your offer for another.

* I offer a full underwriting Preapproval (while you are searching for your home) so that you are then as Good as Cash on your offers.

* My SFC team and I will work with you, Jeff and Zan, escrow and all members of the process with transparent communication that keeps ALL involved fully aware at all times of the developments of the escrow.

* I will secure a value confirmation from our staff appraiser when your offers are written do my best to ensure against future appraisal issues.

* Ultimately, my team and I will work with you and your Jeff and Zan every step of the way from beginning to end to do our best to ensure a smooth process that ultimately slides you into your new home at the most aggressive pricing on both property and financing.

* My team and I greatly appreciate your valuable business that keeps us all employed .. I personally NEVER lose sight of that focus.