Wsh Client Presentation Packet

Real Estate Mortgage Credit

Combined for Enhanced Solutions

Sean McMillan – Jae Wu – Tony Coldesina (310) 234-3278 | www.westsidehub.com | [email protected]



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REAL ESTATE The vision at Westside Hub was inspired by the way we believe real estate should be conducted—“win-win or no deal”. Our unique partnership combines three industry professionals who share a common vision of total customer care.

The traditional real estate process often creates frustration. This is largely due to lack of continuity between the agent, the mortgage broker, escrow, and various other real estate professionals who are involved and often leaves the client feeling confused and out of control.

In truth, any agent can show a home, but quality representation requires far more.

Westside Hub has developed a new way to provide real estate services. Our comprehensive approach efficiently integrates the process of buying or selling a home with mortgage financing and consumer credit coaching.

At Westside Hub we provide control and predictability to every transaction.

Each partner is a trained expert in their part of the transaction, allowing the client access to the power of three minds instead of just one. This enhancement has significantly improved our ability to help our clients.

Once you discover what makes us different, you will recommend your friends and family to us for all of their real estate needs.




MORTGAGE

Westside Hub has a simple philosophy:

Our clients never settle for less. No matter how complex the situation may be, we have the expertise and experience to get the best financing possible.

Westside Hub has extensive banking and broker relationships with the right resources to accomplish closing transactions in a highly competitive marketplace. We have maximum flexibility when structuring options for clients with varying profiles.

The ultimate solution to finding and closing a competitive home loan is to have a skilled, experienced and focused negotiator on your team. As an integral part of the process, we provide our clients with a personalized mortgage plan, which communicates the options in a simplistic way. This empowers you to make an informed decision with confidence.

In addition, the Westside Hub has developed a comprehensive mortgage “rate watch” platform, which integrates your mortgage in accordance with your long term financial goals. We keep in touch by periodically reviewing the mortgage terms over the life of your loan. This communication provides the opportunity to lower your interest rate and save you money.

At Westside Hub, we get it done right the first time. Simply stated - no nonsense, quick response, and quality service at the best available terms.




CREDIT

Proper credit management is absolutely crucial in today’s lending environment. For this reason we have integrated credit consulting as a fundamental component of how we help our clients.

Our service is an enhanced version of the pre-approval process. Westside Hub will keep you in a constant state of pre-approval through a service called Approval Guard.

Approval Guard is a credit management tool that we use to make certain your credit scores are as high as they can be and that your risk from credit fraud is minimized. Proper credit management will help ensure that you qualify for the best possible financing terms.

We realize that it's difficult to know if you will buy or sell a home in 1 month, 6 months, or 12 months.

With us, you will be ready whenever that time comes.




Did you know…?

• It used to be nearly impossible to get turned down, now it’s nearly impossible to get approved.

• 740 fico score is the new 680. • You can’t afford to be without a credit monitoring service. • Approval Guard is like having a credit and lending insider as your personal

expert to maximize your credit rating and minimize your interest expenses. • Approximately 1 out of 11 households will be affected by Credit Fraud or

Identity Theft this year. • Nearly 80% of credit reports contain errors. • More than ever, consumers need help understanding the unintended

consequences of having bad credit.

Credit has become the absolute cornerstone of our financial well being.




Sean McMillan

As a third generation native Angelino, Sean has extensive roots in the Westside of Los Angeles real estate community. Sean was born and raised in a multi generational real estate family. Following his grandfather and father, Sean began a real estate career in 1985.

Sean has a comprehensive professional real estate background and education. Sean has worked in just about every facet of the industry ranging from real estate sales to title insurance and mortgage brokering. As a loan officer, Sean is an award winning top producer and has participated in thousands of transactions. Armed with a reputation for maintaining the highest standards of integrity, market knowledge, and unparallel resources, Sean has the proven track record to put the hardest and most complex transactions together and keep them together.

In addition to his professional endeavors, Sean has garnered accolades in his community as a founder of the Santa Monica Chess Park, and as an active youth soccer coach and referee. Sean is active in both his church and children’s schools.

Together with his wife Jill, Sean raises his two daughters and two sons in the very same neighborhood where he grew up.

Department of Real Estate License #01147016

Jae Wu Jae moved to California from the East Coast in March of 1993 and fell in love with Los Angeles. She started her career in the mortgage business at a firm in Beverly Hills in 1994. By utilizing her love of numbers and caretaking nature, Jae found that she could help provide her clients with the most personalized level of service. Jae has continued to develop herself and her industry knowledge by receiving her broker’s license and becoming a Certified Mortgage Planner.

As a result of her commitment, Jae has already helped thousands of clients reach their goal of homeownership over the last 15 years. She has the experience to maneuver through these ever-changing markets with each client’s specific needs in mind, assuring that her clients fulfill their short and long-term real estate and financial goals.

Jae resides in West Los Angeles with her husband, Larry Fernandez, and enjoys spending time with her sons, Ryan and Jake. Her hobbies include beach volleyball, golf, and hiking.


Tony Coldesina

Originally from Salt Lake City, Utah, Tony has lived in Los Angeles since 1994. Tony started in the mortgage business in 2000. Understanding that a home is the client's single most important investment, Tony takes great pride in assuring that the loan program is financially sound and the overall lending experience is as smooth as possible for everyone involved.

He has deep relationships with a multitude of financial institutions offering solutions for residential, commercial and business lending and provides technical expertise, sophistication and personalized attention to each client's transaction.

By utilizing a unique method of immediate prequalification, his objective is to complete more transactions in a shorter timeframe with little or no effort from the realtor or client. Specializing in Jumbo loans up to $5,000,000 for properties in the Greater Los Angeles area, Tony focuses on building life long relationships by being a consultant for his clients.

Tony lives in Santa Monica with his girlfriend. He enjoys mountain biking, surfing, kiteboarding, skiing and snowboarding.





Westside Hub (310) 234-3278 (FAST) [email protected] www.westsidehub.com

Seeing the benefits of combining their vast individual knowledge and experience in the real estate industry, Sean McMillan and Jae Wu launched the Wu-McMillan Group in October 2005. By forming the partnership, they expanded their professional abilities exponentially. Their partnership grew in productivity and accomplishment, and offered one of the most comprehensive real estate consulting experiences in the industry.

Recently, Tony Coldesina joined Sean and Jae, and together they formed Westside Hub. Westside Hub has developed a new way to provide real estate services. Their comprehensive approach efficiently integrates the process of buying or selling a home with mortgage financing and consumer credit coaching.

To provide their clients with real estate, mortgage and credit services, they have modeled their partnership similar to a law firm. Each partner is a trained expert in his or her part of the transaction, thereby allowing the client access to the power of three minds instead of just one. This enhancement has significantly improved their ability to help their clients.




TESTIMONIALS

“Your team’s service has been excellent and you can be sure referrals will come your way.” -Doug

Douglas A. Schwartz Vice President, Real Estate J.P Morgan Investment Management, Inc.

“You made it all so easy: Non stressful! You guys were pros! You guys knew your stuff and worked amazingly fast.”

Shelley Watson and Dean Luplow “We are writing to express our great appreciation to you for all of your hard work in helping us prepare a competitive offer for the house on Rose Marie Lane. You’re almost immediate responses to our requests for information, your patience in answering all of our questions and your willingness to go out of your way to support our offer made a real difference in getting us to be in a competitive position.”

Chris Crain and Amy Bersch

Documents

Wsh Client Presentation Packet