👨🏻🍳Joseph’s Page | Anthony’s Page 🏄🏽♂️
Dear Loan Librarians,
Welcome to Loan Library powered by Loan Factory and hosted by your Dynamic Loan Officer Duo: Mr. Joseph Chiofalo & Mr. Anthony Wong (ME) - delivering exclusive industry loan specials, rates and insider solutions from our ‘home’ base specialmortgageoffers.com
OUR MISSION: Provide Professional Investors & Realtors access to transparent wholesale rates & resources with unparalleled service - to drive GROWTH.
A bit about us: I recruited Joseph into the mortgage industry after we graduated high school in the early 2000’s and he has been my go-to lender for the two-decades since. As I’ve focused on a $15M+/year (and growing) real estate business combined with commercial lending services - Joseph has hard earned his five-star reputation through over twenty years of dedicated residential mortgage service.
Together, we (still) work relentlessly to provide Real Estate Professionals and Investors the most impactful mortgage products, programs and terms in tandem with rich real estate & mortgage market insights, strategies and investment opportunities.
📙Loan Library x Loan Factory tools are designed to empower borrowers and professionals by sharing direct industry updates and deals and pull REAL, ACCURATE, LIVE RATES 24/7/365 without credit pulls or hoops.
🛠️HIGH IMPACT TOOLS & RESOURCES
Two Example PRO Tools:
Adjust Pre-qualification Letter: One tool that has already saved dozens of calls and emails is the ability for either buyers (or their real estate professional) to adjust the loan amount or Pre-Approval Letter ANY TIME!
Accurate online quotes and loan options: Is there anything more annoying than shopping for a mortgage when you're not quite ready to buy? Most websites require your personal information and even your ss# and a credit pull for an accurate quote..not here. Provided you input accurate qualifying info (FICO, LA, TYPE, DOC TYPE) you’ll see LIVE+REAL rates and terms without a credit check or inundation of calls..it’s legit. Try it here.
🥠 Weekly Special Loan Program & Rate Highlights
🐘JUMBO LOANS: Rates continue to drop and for prime borrowers and lenders are competing! We recently received a match of .65bps on a jumbo loan for a luxury STR investment home buyer!
20% Down with a 2% Seller concession.
Working on a luxury purchase that requires additional buyer incentives and elite attentive client care? Call Joseph 24/7/365 @ 954-480-7478
🚒 Seller Concessions are HOT: Did you know that on second home loans the maximum seller paid concession with as little as 10% down is 6% of the sales price!?
That’s enough to roll in: Taxes, Insurance, Lender & Underwriting Fees, Interest-rate buy downs, title charges, appraisal & inspection reimbursement.
Here on the Oregon Coast our average seller concession this year is 2% 🙂
📝Below is a Seller Concession Cheat Sheet:
📉 STR Loophole Window - Time is almost up for 2025 Participation
Most investors still don’t realize that short-term rentals (STRs) can qualify for accelerated depreciation without being treated as passive income. It’s one of the most powerful (and legal) ways to reduce your 2025 tax bill — but timing and execution matter.
The “STR Loophole” allows investors to claim bonus depreciation and major write-offs in the first year if their property qualifies as an active short-term rental business, not a passive investment. To do that, investors must materially participate — typically through managing guests, pricing, cleaning, and operations.
The key steps:
Identify a qualifying property (under 7-day average stays, zoned & legal permit or licensing, in a strong tourism or vacation market).
Close and place it in service before year-end to capture 2025 depreciation.
Document active participation to meet IRS standards and defend your position.
With weeks to spare before the tax year closes, investors still have time to acquire, furnish, and launch a compliant STR — especially if they act fast in high-demand markets like the Oregon Coast, Scottsdale, or Florida Panhandle.
❌ Purchasing a vacation rental in 2025, 2026 or 2027 and want to utilize an LLC? While DSCR and NON-QM (alternative income and asset verification) loans often permit closing in an LLC or Trust, most conventional lenders (the best rates and terms) DO NOT. In fact - although not generally enforced, lenders can actually call most conventional mortgage notes if ownership is transferred. On a positive, there are national lenders (LIKE Loan Factory!) that allow transfer or deed or ownership post closing. Our advice is to be as transparent as possible with your licensed mortgage professional. Read more on what to look out for and expect to execute.
🦀 RE DEAL OF THE WEEK | Riverview Boutique Motel -12 Rooms in Florence OR
Just LISTED: Perched above the Siuslaw River the Landmark Inn overlooks Old Town Florence on the Oregon Coast and is centrally located one-hour from Eugene Airport and Bandon Dunes Golf Course. Offered by the original builder/owner/operator with consistent and above average income, this meticulously designed and maintained property and business are primed for its next successful owner. With average occupancy of 74% and provided completely turn-key and with high growth potential - this opportunity won’t last long. BONUS: Owner will carry!
Asking $1.997M | Listed with Anthony AJ Wong Sesemi powered by Fathom Realty LLC RMLS 212815203
💡Have a deal to shop or share? Curious on terms? Email us for a feature or quick quote!
🧑🏼🎤Pro Realtor & Investor Concierge: Are you a Realtor closing 10+ Deals annually or an individual investor with more than 3+ properties owned? Ask about our repeat client and portfolio programs that centralize operations. Book your 15 minute Private Mortgage Consultation here.
Call, text or email us anytime,
🟠 Joseph Chiofalo | Loan Factory | Licensed NMLS Mortgage Broker
📲954-480-7478 📧 [email protected] | LIVE QUOTES ☑️
👁🗨Anthony AJ Wong | Loan Factory | Licensed NMLS Mortgage & Licensed OR + CA Real Estate Broker - Sesemi STR Brokers Powered by Fathom Realty
📲541-800-0455 📧 [email protected] | Shop OR STRs🌲