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A Google™ search indicates that one of the foremost sites for high end  Art Deco furniture  at wholesale prices is Gibraltar. “This West coast Internet pioneer features  Bauhaus, retro, modern, and post-modern furnishings at rock bottom prices. Gibraltar offers an exceptional array of wholesale, architectural, modern, high quality items at factory direct discount prices. Gibraltar Furniture is one of the leaders in the world of Internet modern architectural products. Gibraltar sells furniture manufactured in Italy, Asia, and the USA and all sales are tax free outside of California.” This Beverly Hills 90210 store has been in business for over 50 years!

Art Deco was a popular international design movement from 1925 until 1939, affecting the decorative arts such as architecture, interior design, and industrial design, as well as the visual arts such as fashion, painting, the graphic arts and film. This movement was, in a sense, an amalgam of many different styles and movements of the early 20th century, including Neoclassical, Constructivism, Cubism, Modernism, Bauhaus, Art Nouveau, and Futurism. Its popularity peaked in Europe during the Roaring Twenties and continued strongly in the United States through the 1930s. Although many design movements have political or philosophical roots or intentions, Art Deco was purely decorative. At the time, this style was seen as elegant, functional, and modern.

Q: ARE YOUR CLASSIC PRODUCTS COPIES OR ORIGNIALS?

A: We often get the question: “Are your pieces original?”

We sell many items that are fully licensed products from the official sources.

We also feature many lower cost alternatives for customers who are looking for cost effective options

All of our products are “mint in box” brand new items. (Original vintage products would be very expensive products to obtain. A few authentic, old originals are found in museums, or sell at astronomic, (but realistic) prices at auctions or at antique stores. Often times these pieces are often in very bad shape as a result of years of wear and tear.)

Instead Gibraltar offers both authentic and also high quality reproductions, at factory direct prices on all these pieces! Many of these items are “reproductions” of old designs. Our design experts have exactly copied each and every detail and faithfully executed all of the scale, aspects, and lines of these masterpieces.

Careful attention has been given to maintaining the same look, feel, and style of the Bauhaus icons that define modernism. You will be getting a perfectly made modern art piece, crafted in the European tradition, at a price you can’t beat!

We use overseas factories to achieve these results. We use due diligence to insure that all the right tools are used in this process. Despite the designers’ intention to create furniture which can easily be produced mechanically, the creation of modern classics requires considerable skilled hand labor and a wide variety of different production steps. We employ only perfect manufacturing methods in order to bend tubes and to make upholstery that keeps its shape for decades. The results are master pieces that ring true to the originals.

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Many of the classics have undergone some construction changes since they were designed in the 20’s and 30’s. Today’s materials and tools allow for construction as crisp as the designers envisioned, but could not necessarily achieve due to the state of yesterdays technology. Many problems have occurred in older pieces when metal fatigue has resulted in damaged frames which can no longer be used. Our modern construction technique produces a metal frame with greater strength in its joints. This means your furniture, will be sturdier than the originals.

Our reproductions are very high quality new items designed for daily use. They are not numbered or stamped to justify the tripling of prices. If you purchase an item like this, you are actually paying for a license fee that is no longer required. The manufacture of such pieces is charging you a premium for a royalty that once went to a designer. Now that these designs have been paced into the public domain a patent payment is unnecessary. However, instead of lowering the price points on these editions the fabricators are happy to hold onto your money and pocket the difference. They will not lower their price levels to reflect this change to not offend their previous customers. Instead they are happy to charge thousands of dollars more for the same items that we sell for a fraction of the price.

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Naturally there is a range in quality of the reproductions on the market. Be assured Gibraltar are tops in quality in every possible way! Today classic furniture is produced by many different manufacturers, some with great care and attention to details, others with less care. Many lower cost releases will compromise quality by using vinyl, pig leather, or low cost Chinese inferior hides.

Copy or original? We call the items what they truly are: “reproductions” of old design, no matter who produces them today. Our items do live up to all modern expectations on appearance and durability, even under intense scrutiny. They are all New Reproductions of Modern Classics at a price that can’t be beat!

Q: WHERE ARE YOUR REPRODUCTIONS MADE?

A: We sell these products from two main sources.

1. Italian leather, Italian stainless Steel, European construction. We source these models from Italy viaGordon International. We use 100% Italian Leather and 100% stainless steel frames. As Italian labor is more costly than non -European overseas sources the cost corresponding goes up. Please visit www.gordoninternational.com for pricing info. It takes 15-20 hours to pay these chairs. Labor in Europe is about $30 per hour. This makes the total cost higher. However, we mark down all of these models and the price that you will pay will be 30% off of the list price. We deep discount all of these models as we are a factory direct internet wholesaler.

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You’re not seeing double; I wrote “loan submission” twice.

I talked about some stupid mortgage banker tricks and my solution to them, this past weekend.  While the advice I gave was consistent with what I’ve been saying for a year, you’d have thought I got drunk and hit a bus full of nuns if you heard the outrage from the mortgage originators.  There was…

disbelief that a lender would “flip investors” at the last minute because of better pricing.  ( Most originators don’t understand secondary marketing so they don’t know when it happens)
general outrage that I try to get my customers the best price (I really don’t compete on price, I have a competitive advantage because of my superior execution). 
an anonymous lender, who suggested that I was the cause for the mortgage meltdown and should be banned from the industry.  (Hmmm)
the garden-variety, self-serving advertising, originators do in my posts

The discussion even made its way to the Zillow forums where “Colorado Lender” seemed angry that REALTORs might actually ask lenders to have “backup lenders” on deck, for each loan.  He went so far as to offer a veiled threat to e-mail my post to the wholesale lenders with whom I do business.

Oh, brother.

All mortgage brokers “double submit” loans; they just don’t realize that’s what they’re doing.  Most lenders require an upload of loan information, to their website, just to get pricing and eligibility today.  Checking eligibility and getting price indications is our job as mortgage brokers.  Our borrowers come to us because of our flexibility and know-how.  They expect us to present them with 2-3 options for their mortgage financing. 

Technically, for us to present those offers truthfully, we have to engage in the practice of “double submissions”.  Lending is much more complicated than it was 3 years ago.  While it is similar to the market I thrived in, in the late 1990s, the technology is such today that lenders REQUIRE originating brokers to upload the loan application for pricing and eligibility; I’m sure a lawyer would call that a submission.

Do I double submit?  You betchyur butt I do.  I triple submit, as well.  I am thorough in my approach to protecting that client’s interest.  I’ll obtain those approvals, even though it costs me money, to do a few things:

know that I have another financing alternative if the primary lender goes out of business
have a pricing alternative if the primary lender refuses to negotiate pricing in a hot MBS market
have leverage if the primary lender can’t deliver in the time frame it promised.

Now, let me explain.  There are a few parts to the submission process.  There is the automated underwriting approval; I get 2-3 of those for each borrower.  Then there is the documented file submission.  I scan each file submission to a PDF, in a generally accepted stacking order, so that I have leverage.  While I don’t want my wholesale lending partners to work on a loan that won’t fund, I want the ability to USE the back-up options, expeditiously, should the dung hit the blades with the original lender.

REALTOR Vicki Lloyd asked how a “double submission” might have mitigated the risk of a non-performing lender.  It wouldn’t have necessarily eliminated the poor performance but it would have given me leverage had I submitted a “back up” loan.  At the first sign of trouble, it would have made sense to send the document file submission along, disclosing that they were my “back up” lender.  Fighting for that loan, they may have performed more quickly than the original lender.  That superior performance, when presented to the diddling original lender, would have forced compliance with the contract.  In this particular case, the borrowers were so well-qualified, any lender would have fought to lend them money. 

REALTORs do this all the time with” back up” offers.  The fear of “losing the property” looms over a buyer to encourage compliance with the contract.  If we don’t FORCE borrowers to take a certain loan, why shouldn’t we, as originators, actually act on the borrower’s behalf , like REALTORs do for their clients?.  We talk about acting as a fiduciary when the government is looking over our shoulder; let’s start acting like one when serving our borrowers.

Maybe I’m overly cautious but I put our company’s license first, the borrower’s interest next,  the lending partner’s third, and my commission last. (Thanks Bill Archambault)

Call me a Boy Scout but REALTORS and their borrowers RELY on me to “Be Prepared”.

PS- I never said originators should “double lock”, although I know that many in our industry engage in that practice.

PPS- Now, this is where all the originators can plea for my dismissal from lending, advertise their loan services in my comments threads, or spout the “good-ol’-boy”, industry favoring, anti-consumer propaganda they’ve been writing in my posts, for two years.  When it gets too nasty, I’ll close and delete all the comments so have at it.

Christie’s Auctioneers - London

Well mine did yesterday……. and it was rather odd.  It appears that the loan officers in this local bank do not know the guidelines for a manufactured home loan.

 It appears that one of my potential client’s mother works for this local bank and since this is a used doublewide that is to be moved,she wanted to know who and what type of loan, because as she said to me “we are all under the same guidelines”.  As I laugh to my self, yes we are……..  but what do I know that they don’t.  While it is true that FHA will not do this loan, because it is “twice moved” (I think that is really stupid, but it is the guideline) and USDA Rural will only do it if it is new also.  So, my fellow loan officers what type of loan is left for this client??????

Well, lets review the scenario……  The client owns the land and a old POS that we are going to replace with the newer used one……..  so first we need the construction loan to buy the new used one, payoff the land and install the new foundation and utilities.  Then we refinance the construction loan with a 30 rate and term conventional loan.  As long and the client does NOT receive any cash back at the closing of the new permanent loan we can go 30 years…… if they want cash out it drops to 20 (again I think that is a little silly also,but it is guideline)

Yes, I did tell my competition how the deal is structured, afterall she is just trying to make sure her child gets the best deal…. BUT I did not tell her the investors that will do the loan.

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I have a shop that sells art glass.  My favorite art glass is paperweights.  I have a lot of fun attending art auctions and buying art glass.  I try to pay attention to what my friends and clients like and dislike.

I usually give people art glass paperweights that I find at art auctions for milestone birthdays and anniversaries.  My grandmother turned eighty last October and I found a wonderful art glass paperweight for her.

The art glass paperweight that I found for my grandmother was made by Baccarat.  I was extremely lucky that this was one of the last things auctioned.  A lot of people had already left the art auction when this item went on the block.  My grandmother appreciated the pansy design because the pansy is her favorite flower.

My cousin loves frogs.  She has managed to decorate her home tastefully with her favorite item.  I have been on the lookout for an art glass paperweight for her for years.  I finally found one at an art auction I was at last year.  The art glass paperweight featured a frog sitting on a lily pad and the frog was surrounded by blue water.  It was really pretty and my cousin started using it on her desk immediately.

My aunt collects art glass paperweights.  I have been asked by her on numerous occasions to find pretty art glass paperweights for her while I’m attending art auctions.  Of all of the pieces I’ve won for her over the years, one memory sticks out in my memory more than any other.

By far the prettiest art glass paperweight I’ve ever won at an art auction has to be one that features a blue and gold Macaw.  Rick Ayotte was the artist that created it and it was even featured in a book of his work.  He has created many lovely art glass paperweights.

I have an art glass paperweight in my shop that just won’t sell.  It has been in the store the longest and I think I may have it priced too high.  I won the paperweight at an art auction several years ago for one thousand dollars.  The paperweight was created by Paul Stankard and it should have easily sold for twice what I paid for it.

I have no trouble at all selling art glass paperweights that were made by Rick Ayotte.  His work seems to draw the most interest.  I try to win any auction I find for art glass paperweights he made.  I won one not long ago that was pink roses.  They looked so delicate and sweet.  I know that this art glass paperweight will sell quickly.

There have been some inquiries at my shop for art glass paperweights by Richard Marquis.  I haven’t found any in any of the art auctions I’ve attended recently.  I looked at some of the pieces he’s made and I’m not especially impressed.

I will keep looking for the art glass paperweights at the art auctions I attend, but I will not be going way out of my way to track them down.  I will just remember that Marquis is an artist that some of my clients are really interested in.  I’m sure that I will find an art auction with one of his pieces in it at some point.

There were some inquiries about nautical themed art glass paperweights a couple of years ago and I found a fantastic artist that made them.  I buy every art glass paperweight I can find that was made by Rick Satava.  My favorite has to be the coral orange jellyfish that I found at an art auction an hour from my home.  It was really pretty.

The coral orange jellyfish art glass paperweight was just the first Rick Satava piece that I’ve found at various art auctions.  I’ve also found jellyfish in ruby and blue.  They are beautiful by themselves or when they are put onto a black light stand that has been built especially for them.

An interesting piece of art will surely add beauty to your home or office. Art forms from different parts of the world have different specialities. Each art form is unique and distinct in itself. Similarly, art has various categories including paintings, drawings, sculpture etc.

If you are an appreciator of art forms, the best place to look for one is internet. You will get auctions where art forms are sold at attractive prices, quite affordable to you. They will be your source for the best fine art auctions on the web. You will get the option to choose the medium that you are looking for.

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