Commercial Loans

Conditions And Restrictions May Apply

Our innovative program provide an alternative to traditional bank financing that's ideal for high credit    borrowers seeking loans up to $1 million dollars. Our residential mortgage style of lending is our core advantage over commercial real estate lenders. We realize that borrowers are more comfortable with the residential mortgage process than they are with commercial . Loan decisions are based on credit score and personal financial strength. We provide  written pre-approvals within 48 to 72 hours of receiving a completed loan application, and loans usually close within 30 to 45 days.

• Owner Occupied and Investment Properties 

• Loans $100,000 to  $1,000,000

• Minimum FICO score 600+

• 90% LTV (680 FICO, Multifamily & Mixed Use), 85% LTV Office, Retail, Warehouse, Light Industrial, Mobile Home Parks, Bed & Breakfast, Self Storage

• Personal Guarantees are mandatory for  Individuals,  Corporations, Certain Trusts, LLCs, Partnerships, LPs

• No seasoning required on a refinance

• Low Doc & Low Credit Score 

• Rate/Term Refinance, Cash-Out Refinance , Purchase

• 15, 20, and 30-year terms. 6-month adjustible;2,3, and 7 year fixed, then adjustable

• Tax Escrows Required

• Seller seconds up to 20% of property value

       Credit Scores:

• A : Primary Borrower: middle score must be 680+; low score must be 640+

• A-: Primary Borrower: middle score must be 640+; low score must be 600+

• B : Primary Borrower: middle score must be 600+; low score must be 540+