Commercial Mortgage Overview

Multi-family and commercial mortgages are structured to meet the needs of the borrower and the lender. Loan amounts, interest rates, terms, amortization, and prepayment penalties are all flexible options. Yet, no two lenders are alike. A lender’s features and willingness to offer flexible terms are in constant flux to be competitive. Additionally, commercial mortgages are subject to extensive underwriting and due diligence. The same stringent financial review of a property, the property’s owner/investor financial statements, and third-party reports can produce different loan amounts and terms with different lenders. As no two lenders are alike, understanding each lender’s intricacies of underwriting and loan process is paramount to successful investing. Contact us to help you understand what lenders have to offer in structuring a loan that meets your needs and gets you to the finish line.

Loan Types:

  • Purchase
  • Rate Refinance
  • Cash-Out Refinance
  • Rehab-Construction
  • New Construction
  • Equity Lines of Credit
  • Bridge Loans
  • Mezzanine Debt

 Lender Types:

  • Fannie Mae, Freddie Mac, HUD FHA
  • Securitized Mortgages (CMBS)
  • Life Insurance Companies
  • Commercial Banks
  • Credit Unions
  • Community Banks
  • Hedge Funds
  • Private Money

 

Borrower Types:

  • Individual / Married Investors
  • Limited Partnerships
  • Individual Trusts
  • Legacy Family Trusts
  • LLCs
  • Corporations
  • SPE (Special Purpose Entities)

Special Situations:

  • Foreclosure Avoidance
  • Joint Ventures