Carmen, we are private lenders based out of San Diego. We have been in the business for over 30 years and are extremely well capitalized. Recently we have been working with the REO and "flipper" groups. We are quick to fund, have no prepayment penalties, no junk fees and we do our own appraisals. We do all types of loans except owner occupied refi's. Please contact me if you would like some more information about our programs. David Canterman, Lantzman Management. My e-mail is: email@example.com. My phone number is 858-720-0229 Ext 102. I look forward to hearing from you and possibly working together.