Happy-Thanksgiving-Fairview- Lending

I wanted to wish everyone a Happy Thanksgiving.  I have enjoyed working with each of you over the past year and look forward to working together in the future.  With this year’s election, the dinner table is going to be quite interesting to say the least.  I wanted to share a quick tip that you can use as a conversation starter and impress your guests.

CNN actually did a whole article on 5 tips to “cope” with dinner talk to help people out this holiday season.  To help everyone out, I wanted to share a quick tip that you can use as a conversation starter to impress your guests and avoid the political fallout.  Can you use an old bartender trick to figure out information about someone quickly?  This will be a nice change of pace from the family debates, albeit a bit awkward if you start quizzing your daughter’s new boyfriend 🙂

In the old days most driver’s license numbers were also the person’s social security number (fortunately most DMVs have figured out with all the identity theft that this is a bad idea). Based on the first three numbers of a person’s SS you can determine allot about a person.

What information can you learn without even pulling a credit report?

How did a bartender use this information to screen patrons?

The first 3 numbers prior to 2011 signifies where a person was born and their SS number was issued. In the old days bouncers could pretty readily spot fake ids (before the google age and everyone had this information) by looking at the license and asking where the person was from, for example if the person said they were from Vermont, but the first three letters were 253, it was clear the person was lying (253 was issued to residents born in Georgia).

What does this have to do with real estate? When I meet a borrower, one of the questions I always ask is where they are from (fortunately all our borrowers were born well before 2011). For many mortgage brokers, this information is especially useful since the first three numbers can tell you quickly if the borrower is legitimate before a credit report is even pulled.

Below is a list from the SS administration of all the prefixes and the associated states. This is just one way to fight identity theft/fraud. Here is a link to another site to look at if you have the full SS and want to see if it is valid: http://socialsecuritynumerology.com/prefixes.php

I hope each of you enjoyed this article and have a happy and healthy Thanksgiving holiday.

Written by Glen Weinberg, COO/ VP Fairview Commercial Lending.  Glen has been published as an expert in hard money lending, real estate valuation, financing, and various other real estate topics in the Colorado Real Estate Journal, the CO Biz Magazine, The Denver Post, The Scotsman mortgage broker guide, Mortgage Professional America and various other national publications.


Fairview is a hard money lender specializing in private money loans / non-bank real estate loans in Georgia, Colorado, Illinois, and Florida. They are recognized in the industry as the leader in hard money lending with no upfront fees or any other games. Learn more about Hard Money Lending through our free Hard Money Guide.  To get started on a loan all they need is their simple one page application (no upfront fees or other games).



New Hampshire 001-003 Louisiana 433-439 & 659-665
Maine 004-007 Oklahoma 440-448
Vermont 008-009 Texas 449-467 & 627-647
Massachusetts 010-034 Minnesota 468-477
Rhode Island 035-039 Iowa 478-485
Connecticut 040-049 Missouri 486-500
New York 050-134 North Dakota 501-502
New Jersey 135-158 South Dakota 503-504
Pennsylvania 159-211 Nebraska 505-508
Maryland 212-220 Kansas 508-515
Delaware 221-222 Montana 516-517
Virginia 223-231 & 691-699 Idaho 518-519
West Virginia – North Carolina 232 Wyoming 520
West Virginia 233-236 Colorado 521-524 & 650-653
North Carolina 237-246 & 681-690 New Mexico 525 & 585 & 648-649
South Carolina 247-251 & 654-658 Arizona 526-527 & 600-601 & 764-765
Georgia 252-260 & 667-675 Utah 528-529
Florida 261-267 & 589-595 & 765-772 Nevada 530 & 680
Ohio 268-302 Washington 531-539
Indiana 303-317 Oregon 540-544
Illinois 318-361 California 545-573 & 602-626
Michigan 362-386 Alaska 574
Wisconsin 387-399 Hawaii 575-576 & 750-751
Kentucky 400-407 District of Columbia 577-579
Tennessee 408-415 & 756-763 Virgin Islands 580
Alabama 416-424 Guam, American Samoa & Philippines 586
Mississippi 425-428 & 587-588 & 752-755 Puerto Rico 596-599
Arkansas 429-432 & 676-679
Railroad 700-728
Enumeration of Entery 729-733