Banker with a Heart

Sifting to find the right home is only half the battle; getting the right loan, on your terms, is sometimes even more difficult. Along comes a company and Senior Mortgage Broker that takes some of the sting out of the home buying and refinancing process. Nili Sinai-Nathan is in the money business but not all about the money. "I’m the banker with a heart. I’m not motivated by money,” says Nathan years ago when I was a Realtor, "I told my clients not to buy if it wasn’t something I would have bought.”

Nili understands real estate because she grew up in a real estate family. Her father was a builder that began his business by flipping houses. He then graduated to building apartment buildings, and then built condominiums. Nili cut her teeth in real estate by her father’s side as he explained to her what he was doing and why he was doing it. She then helped find properties to develop, procured construction loans, created and managed the budgets and CC&R’s and then listed and sold the properties. Later, when she would ​buy her own home​, she would learn about real estate as a property owner. Now as a lender, she brings her wealth of experience to her work becoming more than just a broker, she is a valuable consultant to her clients.


Now at C2 Financial she represents over 120 lenders providing Conventional, Super Jumbo, Bank Statement and Interest Only Loans. Approvals can be handled prior to identifying property or opening escrow and can be fully underwritten. Nili offers full VIP services that includes local pickup and delivery of your support documents and her staff takes care of copying, scanning and faxing of documents. Her company has funded over 2 billion in loans including some that were problematic for other companies (ie. Low Credit Score, Foreclosure, Bankruptcy, and Self-employed). Realtors are some of her biggest fans as she helps save deals that are at risk of falling out of escrow.


There is an innovative new mortgage for savvy individuals that saves tens of thousands of dollars in mortgage interest cost by leveraging personal bank deposits to reduce principal first and pays off your loan faster than a traditional 30-yr mortgage. "It’s a mortgage product for purchase, refinance and cash-out that every homeowner should look at” says Nili. She is certified to originate the All In One Loan and is on the cutting edge to help her clients save more money and increase their equity. With a traditional 30-yr mortgage, you are paying interest first for 12 years without reducing your principal balance. The AIO loan is a two way instrument that combines personal banking and a home equity loan in first position with the flexibility to let the borrower decide how fast principal gets paid off and at the same time leaving access to the credit line for 30 years. This approach has saved many of her client’s money and simplified their financial lives, paying off a home in as little as 9 years.

Videos and an inter-active interest saving calculator on the AIO loan are available on her website. mortgageloanrates-losangeles.com

Nili is an expert in real estate finance including commercial, apartment building construction and non-traditional lending. ​She began at JP Morgan Chase in Century City earning one of the highest customer service ratings in the entire company because she listens to her customer’s needs before presenting their mortgage options matching the right product, rate, and term to her customer’s goals.


When I ask her about her greatest personal achievement expecting to hear about real estate I get a shock. "My greatest personal achievement was adopting a Chinese baby girl who is now a Magnet/AP Student in high school. My love for children extends to being on the Advisory Board for ‘Kev Cinema’ a non-profit for teens, and donating to causes that support children in need such as S.O.S. International. My aim is to do more for the community, my neighbors and welcome opportunities where my skills and experience can be of service.”

Her 20 years as a realtor working alongside her father has paid dividends. The public may not have any idea how money works but they don’t need to when Nili is only a telephone call away.