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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title id="#Home-tag">Loan Mentor LLC</title>
<link rel="icon" type="image/svg+xml" href="https://sequoia-portfolio.s3.amazonaws.com/favicon.ico" />
<link href="https://fonts.googleapis.com/css2?family=Russo+One&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Roboto+Mono:wght@500&family=Roboto:wght@500&family=Russo+One&display=swap" rel="stylesheet">
<link rel="stylesheet" type="text/css" href="default.css">
<link id="theme-style" rel="stylesheet" type="text/css" href="">
</head>
<body >
<!-- Affiliate program resources -->
<!-- https://onemorecupof-coffee.com/best-business-loan-affiliate-programs/ -->
<div class="header">
<div class="dropdown" data-dropdown>
<button class="link" data-dropdown-button>Menu</button>
<button class="link"><a href="./l-q-folder/loan-questionnaire.html" class="link">Loan Questionnaire</a></button>
<div class="dropdown-menu information-grid">
<div>
<div class="dropdown-heading">Companies</div>
<div class="dropdown-links">
<a href="#CLD-tag" class="link">Commercial Loan Direct</a>
<a href="#OnDeck-tag" class="link">OnDeck</a>
<a href="#NBC-tag" class="link">National Business Capital</a>
<a href="#UpStart-tag" class="link">UpStart</a>
</div>
</div>
<div>
<div class="dropdown-heading">Pages</div>
<div class="dropdown-links">
<a href="index.html" class="link">Back to Top</a>
<a href="loan-finder-questionnaire" class="link">Loan questionnaire</a>
<a href="about" class="link">About</a>
<a href="#contact-form" class="link">Contact</a>
<!-- change the contact to a separate page and link to it here. can have both.
Target=blank?-->
</div>
</div>
<div>
<div class="dropdown-heading">About the Author</div>
<div class="dropdown-links">
<a target="_blank" href="https://portfolio-website-sequoia.netlify.app/" class="link">Portfolio Website</a>
<a target="_blank" href="https://github.com/ScrumMasterSequoia" class="link">GitHub</a>
<a target="_blank" href="https://www.instagram.com/sequoiakanies/" class="link">Instagram</a>
<a target="_blank" href="https://www.linkedin.com/in/sequoia-kanies-a402a228a/" class="link">LinkedIn</a>
<a target="_blank" href="https://www.youtube.com/@sequoiakanies2202/featured" class="link">YouTube</a>
</div>
</div>
</div>
</div>
<div id="theme-options-wrapper">
<a href="index.html" class="link" style="background: none"> <button style="cursor: pointer; background: black; padding: 4px; padding-bottom: 0px; margin-top: -15px; border-radius: 2px;"><img src="images/home.png" alt="home"></button> </a>
<div data-mode="light" id="light-mode" class="theme-dot" ></div>
<div data-mode="dark" id="dark" class="theme-dot"></div>
</div>
</div>
<section class="s1">
<div class="main-container">
<div class="greeting-wrapper">
<h1>Loan Mentor</h1>
</div>
<div class="intro-wrapper">
<div class="advice">
<h5>Example Situation:</h5>
<p>
Say you are looking to buy a home and need a mortgage. You have a good credit score and a stable income, but you're not sure where to start.
</p>
<h6>Solution</h6>
<p>
1 - Assess Your Financial Situation: The first step is to understand your debt-to-income ratio (DTI), which is all your monthly debt payments divided by your gross monthly income. Lenders use DTI to evaluate your ability to manage monthly payments and repay the money you want to borrow for a mortgage. Ideally, your DTI should be below 36%, but some lenders may allow up to 43-50% depending on the loan type.
<br><br>
2 - Check Your Credit Report: Make sure there are no errors on your report that might be dragging your score down.
<br><br>
3 - Save for a Down Payment: The more you can put down, the less you need to borrow, and the cheaper your mortgage is likely to be. There are loans available for as little as 3.5% down, but putting down 20% will prevent you from having to pay private mortgage insurance (PMI).
<br><br>
4 - Get Pre-Approved: Before you start house hunting, get a mortgage pre-approval. This will give you a clear idea of how much a lender is willing to finance and will show sellers that you are a serious buyer with financing already in place.
<br><br>
5 - Compare Loan Types: There are various kinds of mortgages like conventional loans, FHA loans, VA loans, etc., and they all come with different requirements and benefits.
<br><br>
6 - Shop Around: Get quotes from several lenders including banks, credit unions, and online lenders. Each may offer different rates and fees, so shopping around could save you a significant amount of money over the life of your loan.
<br><br>
7 - Consider Both Rates and Fees: The interest rate isn't the only thing that affects the cost of your mortgage. Be sure to also compare fees, including origination fees, closing costs, and any other lender charges.
<br><br>
8 - Negotiate: Remember that some fees and rates are negotiable. Don't be afraid to ask lenders to give you a better deal
<br><br>
9 - Read Reviews and Check Ratings: Look for customer reviews and check regulatory agencies for any complaints against the lenders you are considering. A low rate is great, but not if it comes from a lender with poor customer service and support.
</p>
</div>
</div>
<div class="intro-wrapper">
<div style="justify-content: center;" class="intro-wrapper-sub" >
<h3>Looking for a loan but don't know where to start? Lucky for you, you're not alone!</h3><br>
<p>
Compare some of the leading loan companies in the industry and find the best loan for you!
Companies such as Commercial Loan Direct offer calculators to help you determine how much you can afford to borrow and what type of loan fits your needs.
Just input the details of your small business, commercial, or appartment loan you are looking for and the calculator will help you understand your options.
Loan Mentor is here to help!
</p>
<h2 id="CLD-tag">Commercial Loan Direct</h2>
<img src="images/commercialLoanDirectCalc.png" alt="Commercial Loan Direct" class="responsive">
<br>
<h4> Commercoal loan rates provided by Commercial Loan Direct:</h4>
<img src="images/Table1.png" alt="Commercial Loan Direct" class="responsive">
<p>
The Benefits of using CLD:</p> <p>
"Not only can Commercial Loan Direct save you time by searching
hundreds of loan programs for you, but we can also save you money.
Because we have access to various financial institutions
wholesale programs, we can offer you the most competitive interest
rates with no up-front fees and reduced financing costs. We can also help
you to build a real estate portfolio that maximizes your returns, whether
that means financing for a long term hold, a short term flip, or any
other specialized structure. We can even help you to finance your next
construction project." - Commercial Loan Direct website*
</p>
<a style="font-size: x-large;" href="">Affiliate Link here pending approval</a>
<br>
<a style="font-size: x-large;" target="_blank" href="https://portfolio-website-sequoia.netlify.app/">For now feel free to click here and check out my programming portfolio website</a>
<br>
<p>
If you appreciate the resources and information provided herein, please use my affiliate link above to apply for a loan.
There will be no additional cost to loan applicants based on this, however it will help an independent programmer
achieve another step toward financial independence. For anyone who uses the link below and applies through their website,
I will not receive any support for this goal, however my primary purpose is to create a hub full of useful information.
So if you are grateful, please feel free to use their site then return here to apply for a loan through my link. Either way, thank you!<br>
-Sequoia Kanies
</p>
<a target="_blank" href="https://www.commercialloandirect.com/">Commercial Loan Direct Website</a>
<br>
<h7 style="text-align: right;">
* information and images taken from Commercial Loan Direct website for authenticity and full transparency.
</h7>
<!-- https://www.commercialloandirect.com/affiliates-referrals-commercial-loan-direct-website-affiliate-program.php -->
</div>
</div>
</div>
</div>
</div>
</section>
<section class="s1">
<div class="main-container">
<div class="intro-wrapper">
<div style="justify-content: center;" class="intro-wrapper-sub" >
<h2 id="OnDeck-tag">OnDeck</h2>
<p>
OnDeck is a leading small business loan company that offers a variety of loan options.
They offer term loans or lines of credit. Just meet their minimum requirements
of having at least 1 year in business, at least 625personal FICO® score, $100K business
annual revenue, and access to a business checking account. With these minimum requirements,
OnDeck makes it easy to apply for a loan.
</p>
<img src="images/OnDeck.png" alt="OnDeck" class="responsive">
<br>
<h4> Why opt for OnDeck:</h4>
<img src="images/OnDeckWhy.png" alt="OnDeck" class="responsive">
<p>
The Benefits of using OnDeck:</p> <p>
"Small business loans provide financing to help business owners launch, run and grow their businesses.
OnDeck offers two loan options — a term loan and a line of credit — to meet your unique business needs.
A small business loan from OnDeck provides rapid funding with one-on-one support from our team of loan
advisors. Our quick and easy application process takes only minutes to complete, and you could receive
an approval decision just as fast. With billions funded and a top rating from the Better Business Bureau,
its no wonder so many small business owners trust OnDeck as their lender of choice."
- OnDeck website*
</p>
<a style="font-size: x-large;" href="">Affiliate Link here pending approval</a>
<br>
<a style="font-size: x-large;" target="_blank" href="https://portfolio-website-sequoia.netlify.app/">For now feel free to click here and check out my programming portfolio website</a>
<br>
<p>
If you appreciate the resources and information provided herein, please use my affiliate link above to apply for a loan.
There will be no additional cost to loan applicants based on this, however it will help an independent programmer
achieve another step toward financial independence. For anyone who uses the link below and applies through their website,
I will not receive any support for this goal, however my primary purpose is to create a hub full of useful information.
So if you are grateful, please feel free to use their site then return here to apply for a loan through my link. Either way, thank you!<br>
-Sequoia Kanies
</p>
<a target="_blank" href="https://www.ondeck.com/">OnDeck website</a>
<br>
<h7 style="text-align: right;">
* information and images taken from OnDeck website for authenticity and full transparency.
</h7>
<!-- https://app.impact.com/campaign-mediapartner-signup/On-Deck-Capital.brand?execution=e1s1 -->
</div>
</div>
</div>
</div>
</div>
</section>
<section class="s1">
<div class="main-container">
<div class="intro-wrapper">
<div style="justify-content: center;" class="intro-wrapper-sub" >
<h2 id="NBC-tag">National Business Capital</h2>
<p>
Our mission is to enable entrepreneurs to grow their businesses
by using capital strategically to seize opportunities and maximize
their return on investments.
</p>
<img src="images/NBC.png" alt="National Business Capital" class="responsive">
<br>
<h4> Why choose National Business Capital:</h4>
<img src="images/NBCWhy.png" alt="National Business Capital" class="responsive">
<p>Why opt for NBC?:</p>
<p>
Connections Are Our Capital:<br>
NBC is invested in relationships, drawing on an extensive network of more
than 75 lending partners to secure approvals that competitors cant.
We offer the scale to ensure our clients can always find the financing that
fits them, not just their budget."
- National Business Capital website*
</p>
<a style="font-size: x-large;" href="">Affiliate Link here pending approval</a>
<br>
<a style="font-size: x-large;" target="_blank" href="https://portfolio-website-sequoia.netlify.app/">For now feel free to click here and check out my programming portfolio website</a>
<br>
<p>
If you appreciate the resources and information provided herein, please use my affiliate link above to apply for a loan.
There will be no additional cost to loan applicants based on this, however it will help an independent programmer
achieve another step toward financial independence. For anyone who uses the link below and applies through their website,
I will not receive any support for this goal, however my primary purpose is to create a hub full of useful information.
So if you are grateful, please feel free to use their site then return here to apply for a loan through my link. Either way, thank you!<br>
-Sequoia Kanies
</p>
<a target="_blank" href="https://www.nationalbusinesscapital.com/">National Business Capital website</a>
<br>
<h7 style="text-align: right;">
* information and images taken from National Business Capital website for authenticity and full transparency.
</h7>
<!-- https://www.nationalbusinesscapital.com/partners/-->
</div>
</div>
</div>
</div>
</div>
</section>
<section class="s1">
<div class="main-container">
<div class="intro-wrapper">
<div style="justify-content: center;" class="intro-wrapper-sub" >
<h2 id="UpStart-tag">UpStart</h2>
<p>
Upstart is the leading AI lending marketplace:<br><br>
"We connect millions of consumers to 100 banks and credit unions
who leverage Upstarts artificial intelligence models and cloud
applications to deliver superior credit products. Our platform
includes personal loans, automotive retail and refinance loans,
small dollar “relief” loans, and later this year, home loans."
</p>
<img src="images/UpStart.png" alt="UpStart" class="responsive">
<br>
<h4> Why choose UpStart:</h4>
<img src="images/UpStartWhy.png" alt="UpStart" class="responsive">
<p>Advantages of financing through UpStart:</p>
<p>
"A commitment to regulatory compliance:<br><br>
Upstart ensures that every lender retains control over their
credit policy, business objectives, and risk appetite. Each
lender originates under their own charter, whether state or
federal. And Upstart-powered loans from all partners are within
the 36% maximum APR required under the Military Lending Act.
Some of the important regulatory issues a responsible AI
lending platform faces include: Fair Lending, Data Security and Privacy,
Safety and Soundness, and Consumer Protection."<br>
- UpStart website*
</p>
<a style="font-size: x-large;" href="">Affiliate Link here pending approval</a>
<br>
<a style="font-size: x-large;" target="_blank" href="https://portfolio-website-sequoia.netlify.app/">For now feel free to click here and check out my programming portfolio website</a>
<br>
<p>
If you appreciate the resources and information provided herein, please use my affiliate link above to apply for a loan.
There will be no additional cost to loan applicants based on this, however it will help an independent programmer
achieve another step toward financial independence. For anyone who uses the link below and applies through their website,
I will not receive any support for this goal, however my primary purpose is to create a hub full of useful information.
So if you are grateful, please feel free to use their site then return here to apply for a loan through my link. Either way, thank you!<br>
-Sequoia Kanies
</p>
<a target="_blank" href="https://www.upstart.com/">UpStart website</a>
<br>
<h7 style="text-align: right;">
* information and images taken from UpStart website for authenticity and full transparency.
</h7>
<!-- https://www.flexoffers.com/affiliate-programs/upstart-com-affiliate-program/ -->
</div>
</div>
</div>
</div>
</div>
</section>
<!--
<section class="s2">
<div class="main-container">
<h3 style="text-align: center;"></h3>
<div class="about-wrapper">
<div class="about-me">
<h4>Title</h4>
<p>
Paragraph about the company and what we do
</p>
<hr>
<h4>Top Clients</h4>
<p>Show off partners and advertise them
<a target="_blank" href="">Create link buttons to go to affiliate links for each agency</a>
</p>
</div>
</div>
<div class="social-links">
<img id="social-img" src="images/EyeTerraEdit.png">
</div>
</div>
</section>
<section class="s1">
<div class="main-container">
<h3 style="text-align: center;">My Projects</h3>
<div class="post-wrapper">
<div>
<div class="post">
<img class="thumbnail" src="images/ImageSlider.jpg">
<div class="post-preview">
<h6 class="post-title">Company 1 VS Company 2</h6>
<p class="post-intro">Comparing two companies here</p>
<a target="_blank" href="http://image-slider-react.s3-website-us-east-1.amazonaws.com/">Read Article</a>
</div>
</div>
</div>
<div>
<div class="post">
<img class="thumbnail" src="images/MovieSearch.jpg">
<div class="post-preview">
<h6 class="post-title">Company 3 VS Company 4</h6>
<p class="post-intro">Article about the various kajigurs</p>
<a target="_blank" href="http://movie-search-bucket.s3-website-us-east-1.amazonaws.com/">Read Article</a>
</div>
</div>
</div>
<div>
<div class="post">
<img class="thumbnail" src="images/TaskTracker.jpg">
<div class="post-preview">
<h6 class="post-title">Loan Education</h6>
<p class="post-intro">Some Article that educates the website visitor about what types of loans are available and has graphs</p>
<a target="_blank" href="http://task-tracker-react.s3-website-us-east-1.amazonaws.com/">Read Article</a>
</div>
</div>
</div>
</div>
</div>
</section> -->
<!-- <section class="s2">
<div class="main-container">
<h3 style="text-align: center;">Get In Touch with Sequoia Kanies - Founder and CEO of Loan Mentor LLC</h3>
<form style="text-align: center;" id="about-wrapper">
<a id="contact-form" href="mailto:[email protected]"> Contact </a>
</form>
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</body>
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