The short answer is that it's safer than investing in just one trust deed.Instead of investing in a single trust deed on one property with one borrower, the OMF, LLC will allow investors to own an undivided interest in a diversified portfolio of first trust deed loans. You will be investing in many different properties in various markets, with multiple borrowers, much like a mutual fund holds a basket of stocks. In particular, if a loan defaults, the impact to an investor is significantly minimized.

The Fund is a California Limited Liability Company formed for the purpose of making or investing in loans secured by deeds of trust on real estate located in California: The Units offered hereby represent membership interests in the Fund.

The Fund will focus solely on real estate loans in California: Fund loans will be secured by either undeveloped land or fully developed real estate located in California or will be construction loans secured by undeveloped or partially developed property and may be subject to a construction loan agreement. All loans will be secured by property located in California: Loans will be made while this offering is continuing. (See "Lending Standards and Policies" in the Offering Circular.)

$25,000.00, with a minimum of $1,000.00 after the opening deposit. Units are offered exclusively to investors who are California residents and who meet certain minimum standards of income and/or net worth, with an initial minimum investment of $25,000.00. Qualified investors admitted to the Fund will become Members. (See “Investor Suitability Standards in the Offering Circular.”)

Minimum six months

The interest rate paid will reflect the interest due on all the performing Fund's Trust Deed investments.

9.00%-10.00%. This is based on the fact that since 2002, the year OMF, LLC was founded, Olympia Mortgage and Investment Co., Inc. has historically funded loans at interest rates varying from 9.50% to 12.00%.

OMF, LLC has had an excellent performance history. Many of our clients transferred their investment packages into our Fund after realizing the benefits of a significant safety increase, while still yielding a high rate of return.

Interest will be paid between the 10th and the 15th of each month. Payments received will reflect earnings for the previous month. Investors will have the option to reinvest or compound their monthly interest back into the Fund.

Choice of (1) regular monthly cash distributions of Fund income, or (2) income credited to capital account and reinvested by the Fund. An investor may elect to switch from one of these options to the other only upon sixty (60) days notice to the Manager; provided, however, that investors may elect to switch from distributions to compounding only if there is then in effect a permit issued by the California Department of Corporations for this offering. The Manager, in its sole and absolute discretion, reserves the right to commence making cash distributions at any time to previously compounding ERISA investors in order for the Fund to remain exempt from the ERISA plan asset regulations. (See "ERISA Considerations" and "Summary of Operating Agreement.")

There are no commissions. For example, it means that if you invest $50,000, all of your money goes to work for you.

The Fund Manager is Olympia Mortgage and Investment Co., Inc.

The Manager has substantial prior experience in the mortgage industry. (See "The Manager and Its Affiliates" in the Offering Circular.)

The Manager receives various forms of compensation for administrating the Fund. These include management and loan servicing fees. Additionally the Manager earns loan origination fees that are paid by the Fund’s borrowers, not its investors. Please see Page 15 of the Offering Circular for complete details.

No. OMF, LLC specializes in originating, underwriting, funding, and servicing trust deed investments for its clientele. We do not recommend any other investments. Therefore, investors must decide for themselves how trust deed investments fit into their portfolio before investing with us.

We encourage you to contact our office at (530) 272-3030 and ask for Phil Ruble , President or Craig Ruble, Vice President. They can tell you more about the Fund and set up an informational meeting.

If you hold a Self-Directed IRA with a qualified trust company, you can choose to invest your IRA funds with the LLC. If your IRA is not Self-Directed, and/or is not held with a qualified trust company, you may be able to roll your IRA funds into such a plan. Once you have the right type of IRA plan, investing your retirement funds in the LLC is easy. The LLC Department Manager will be happy to assist you in this process.