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Loans4Less.com, Inc. (LFLS)
Loans4Less.com, Inc. (LFLS) is an online mortgage broker which matches qualified individuals seeking mortgage loans with suitable lenders who offer the company a competitive wholesale lending program. Maintaining an A+ TrustLink rating with the Better Business Bureau, the company provides competitive rates, terms, costs, daily updates, extensive market information, and trusted first-class service to the public.
Leveraging its portfolio of 62 different web domains, Loans4Less.com is focused on developing a national consumer platform for conforming residential mortgage programs and implementation of other consumer loan programs via operating providers. The company's expansion strategy includes rapidly growing revenues through strategic and cost-effective advertising, licensing, and/or third party agreements that build national recognition of the Loans4Less® brand.
The management team has accumulated many years of experience in the real estate and financial services sectors. This combination of expertise provides the knowledge and foresight necessary to get the best results for the company and their thousands of loyal clients. The team skillfully navigated through the credit crisis that destroyed much of their competition, putting the company in a stronger position to increase market share.
Loans4Less.com is not exposed to the risks and/or problems that are associated with sub-prime lending. Having never defaulted on an obligation or been involved in any litigation, the company is poised for rapid growth in today's low interest rate environment with its industry leading reputation and well established relationships with respected lenders.
Key Investment Highlights
Chairman, President, CFO, Treasurer - Steven M. Hershman
Mr. Hershman has devoted substantially all his efforts to the development of Loans4Less.com which serves as a mortgage broker primarily in the California residential mortgage place. A citizen of the United States and the United Kingdom, he holds a California Real Estate Broker and NMLS License and he started his career on the London Stock Exchange in 1977 becoming a Member of The London Stock Exchange in 1981. Between 1982 and 1990 he worked for Thomson McKinnon Securities, Inc. and Ladenburg, Thalmann Members of The New York Stock Exchange. In 1990 he became a mortgage broker prior to forming Union Discount Mortgage, Inc. in April 1993.
Secretary, Director, Legal Consultant - Julia Leah Greenfield
Ms. Greenfield has been a practicing attorney since 1976 representing several major savings banks and mortgage lenders, specializing in mortgage banking laws with an emphasis on origination, servicing, secondary market whole-loan sales, securitization of prime and subprime residential mortgage loans, Truth-In-Lending and regulatory compliance under federal and state law. Ms. Greenfield is a member of the State Bar of Pennsylvania, State Bar of California and American Bar Association. Ms. Greenfield received her Juris Doctorate in May 1976 from Villanova University School of Law, Villanova, Pennsylvania and her Bachelor of Arts (Phi Beta Kappa) in May, 1973 from the State University of New York at Binghamton, Binghamton, New York.
Director, EVP - Martin W. Genis
Since December, 1997, Mr. Genis has been involved in the development of the Company's real estate division, Platinum Properties. Since November, 1990, Mr. Genis has been licensed with the California Department of Real Estate and has been employed as a realty agent specializing in residential listings and purchases with the Jon Douglas Company, Los Angeles, California.
Director, EVP - Daniela Haynie
Ms. Haynie serves as a director of the Company and an executive vice president underwriting manager and mortgage loan processor, assisting in the processing and closing of mortgage loan transactions. Ms. Haynie has worked with the Company since October, 2001. From August, 1997 to October, 2001, Ms. Haynie served as a mortgage loan underwriter assisting brokers and various loan officers in processing and closing mortgage loan transactions for Crestwood Mortgage Company, Torrance, California, a company specializing in residential mortgage lending and brokerage. Ms. Haynie graduated from the University of Sao Judas Tadeu (Sao Paulo, Brazil) in 1995 and moved to the United States in March, 1996.
Director, Accountant - Marc C. Phelps, CPA
Mr. Phelps has been working in public accounting since 1982 assisting small businesses in the areas of taxation, setup and maintenance of accounting systems and business management. Since 1999, Mr. Phelps has also helped small businesses with the audit process both as the auditor and as a consultant assisting small companies to get ready for audits. Mr. Phelps is a Certified Public Accountant licensed to practice in the State of California. In 1999, Mr. Phelps received a Bachelor of Science degree in Business Administration (Magna Cum Laude) form California State University Dominquez Hills.