Barbara Ladesou

NMLS #63972

direct line: 212-318-9404 direct fax: 212-593-4425 address: The Manhattan Mortgage Company 555 Madison Avenue New York, NY 10022

COMMITMENT TO HER CLIENTS—FROM START TO FINISH

As Barbara has built her business throughout the years, 70% now comes from referrals—past clients telling their families, friends and colleagues of her abilities and talents.

PRODUCT KNOWLEDGE FOR PERFECT MORTGAGE PLACEMENT

Barbara prides herself in always taking the time to do the research to ensure that she gets it right the first time for her buyers. This helps take the stress out of the process.

EXTENSIVE EXPERIENCE WORKING DIRECTLY WITH DEVELOPERS

Barbara has personally worked side-by-side with developers and real estate brokers on more than a dozen high-profile projects, from start to finish. She is experienced in setting up and following a project through its completion, providing newsletters to buyers on the progress of the project and status reports on each stage of the process...from pre-approvals to cleared-to-close.

When applying online, select "Barbara Ladesou" as loan officer on first page of application.

• It's High Time to Refi (NY Daily News - August 30, 2010)

• Changes in federal rules could worsen summer's slump (Crain's New York - August 22, 2010)

• Manhattan Luxury Condos Embrace FHA in 'Game Changer' (Bloomberg.com - August 13, 2010)

• Putting Out Jumbo Welcome Mat (The Wall Street Journal - July 26, 2010)

• Homeowners Should Run The Numbers Before They Refinance (NY1 - July 8, 2010)

• Markets and myths: talking shop with Gary Malin and Melissa Cohn (The Apple, Peeled - May 28, 2010)

• Extremely Low Mortgage Rates Point to Perfectly Sunny Summer (Housing Watch - May 25, 2010)

• Four Ways to Start Fixing Fannie and Freddie (CNBC.com - May 13, 2010)

• Jumbo Loans Easier to Find (Wall St. Journal - April 30, 2010)

• Older Condos Better Than New? (The New York Times - April 29, 2010)

• West Harlem, Garment District are the next hot spots, brokers say (Real Deal Online - April 12, 2010)

• Where to Live in 2014 (New York Magazine - April 11, 2010)

• Melissa Cohn, President and CEO, The Manhatan Mortgage Co. (Scotsman Guide - April, 2010)

• Rising Rates, The End Of Fed Mortgage Buying, And Fannie Mae's Stinginess Stoke Fears Of A NYC Real Estate Double Dip (Business Insider - March 31, 2010)

• The Going Gets Tougher (The New York Times - March 11, 2010)

• Buying a Condo: Now vs. Later (The New York Times - January 28, 2010)

• Reaching Out to Condo Buyers (The New York Times - November 22, 2009)

• Breaking the bank (The New York Post - November 12, 2009)

• New York Appraisals Get Shortchanged (The New York Times - September 27, 2009)

• Top Women (Real Estate Bisnow - September 16, 2009)

• City Seeks to Turn Stalled Projects Into Moderate-Income Housing (The New York Times - September 2, 2009)

• Contract Signings Rise, and Deal-Watchers Exhale (The New York Times - August 30, 2009)

• Mortgages Made Easy (Brokers Weekly - August 19, 2009)

• Low Appraisals Sabotage More Deals (The Real Deal - July 31, 2009)

• Lock Steps (The New York Post - June 25, 2009)

• The Top Originator: Melissa Cohn (Mortgage Originator - April 2009)

• 'Cashing Out' Is Now Harder (The New York Times - March 29, 2009)

• Making Your Way Through The Mortgage Market (CNBC.com - March 23, 2009)

• Housing Market Needs More Help (CNBC.com - March 5, 2009)

• Need a House Fast? Skip the Pre-Approval (Main Street - March 3, 2009)

• For Home Buyers, More Bank Roadblocks (The New York Times - February 1, 2009)

• Mortgage Applications Surge (CNNMoney - January 14, 2009)

• Run For The Money (The New York Post - January 1, 2009)

• Mortgages Less Easy To Come By For The Self-Employed (NY1 - December 16, 2008)

• Interview with Melissa Cohn (Marquis Who's Who in America - December 2008)

• Bright Spots (The New York Post - December 4, 2008)

• Bailout Efforts Now Focus On Main Street, Not Banks (CNBC.com - December 4, 2008)

• Mortgage Refinance Applications Soar As Rates Fall (Dow Jones Newswires - December 3, 2008)

• U.S. Consumer Loan Aid Will Trickle Only So Far (The New York Times - November 27, 2008)

• Can This Market Be Saved? (New York Magazine - November 23, 2008)

• Lending Recovers (Overseas Living - January 2009)

• Whittle Down Your Mortgage (New York Magazine - November 2, 2008)

• Bear market squeezes mortgages (The Real Deal - November 3, 2008)

• Foreign apartment buyers grow scarce (The Real Deal - October 28, 2008)

• Lenders tighten up standards for co-op loans (The Real deal - October 3, 2008)

• The Default Phenomenon Comes to N.Y. (The New York Sun- September 25, 2008)

• For Buyers, Many Roadblocks (The New York Times - September 21, 2008)

• Mortgages: Considering the Seven-Year Plan (The New York Times - September 21, 2008)

• Jump in Mortgage Rates Disappoints Home Buyers (The Wall St. Journal - September 18, 2008)

• Amid mortgage woes, first-time buyers seek solutions (The Real Deal - September 1, 2008)

• It's a Wonderful Life (In Jersey) (Newsweek Magazine - August 2, 2008)

• Rich, but Rejected (The New York Times - July 13, 2008)

• What You Need to Know to Get a Mortgage (The New York Times - June 1, 2008)

• The 100 Most Powerful People in New York Real Estate (The New York Observer - May 19, 2008)

• Need $23 Million Fast? (The New York Observer - April 28, 2008)

• Tiptoeing Through a Minefield (CNBC.com - March 6, 2008)

• SHOPPING SPREE: It's not every building that will give its buyers a free winter wardrobe (The New York Post - February 28, 2008)

• Jitters for First-Time Homebuyers (The New York Times - February 17, 2008)

• Waiting to see if ARMs fallout reaches Manhattan (The Real Deal - February 2008)

• Rates luring homeowners to refinance, but for better deals, not to tap equity (The Daily News - February 4, 2008)

• What's Next for New York City Real Estate? (The New York Times - January 13, 2008)