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Commercial real estate loans and lenders and mortgage small balance apartment, office, industrial, mixed-use, retail, self storage, warehouse, automotive, mobile home park, restaurant, daycare, gas station, assisted living, many commercial real estate types.
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Closed today in the Phoenix, AZ area
$4,125,000 interest only land loan refinance.
Borrower had a lower than average credit score and was able to close with the help of Cross-collateralization.
Borrower has plan to build a shopping center in the next couple of years.
Closed on an Industrial Property in Phoenix.
$3,000,000 loan amount
10 year fixed
30 year amortization
very competitive rate
12 day closing
Just closed a $2,650,000 commercial mortgage loan on a Long Beach, California multi-family property. Fast funding on an 80% loan to value purchase that had to fund FAST.
10 year fixed rate amortized for 30 years.
No pre-payment penalty.
Great, low rate too!
Well you can get your commercial loan tips2008 anytime you want from us
Commercial Mortgage Lenders
Commercial mortgage lenders have all tightened up requirements lately. As a commercial mortgage borrower you need a commercial lender who not only has institutional money but private money sources and can qualify you based on several factors.
Let Lenders Commercial Mortgage help you today.
We make commercial real estate loans nationwide!
We make commercial real estate loans nationwide!
Organization commercial mortgage lenders loaning within 2013 by home finance loan Reits, various Reits and also conjecture shops climbed 332% on the previous calendar year in order to $23 thousand, seeing that mentioned by way of a Home loan Brokers Association examine. Of which exceeded your $17 thousand credited within 2007 and also included speculations, by way of example, $350 million within accountability from the professional financial institution to gather another Manhattan central stop with regard to Instructor Inc. Of which advance features a quality fee connected with 7. 5 fee centers on the benchmark London interbank presented fee, as well as Libor.
Banking institutions likewise widened their loaning through the similar period of time, outset $100 thousand within innovations within 2013, the 76% increment more than 2012, seeing that mentioned by the MBA.
End up being in which as it can certainly in which stage seemed to be beneath the $109 thousand credited within 2007, and also banking companies by and large are usually shunning your varieties of harmful wagers within house that they manufactured before the subsidence.
Very good example, banking companies towards the end connected with 2013 held $210 thousand connected with high-hazard improvement and also place innovations, decrease from the crest connected with $631 thousand within 2008, depending on your Fed Downpayment Insurance Corp. For now, banking companies held more company loans rejecting improvement and also place in comparison with on some other time in recent recollection, along with $1. 11 trillion within assets.
This more stage wanting with regard to territory likelihood usually reflects the post lock up admin environment through which banking companies happen to be advised to build their capital shops.
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Just closed a 75% LTV $1,650,000 commercial mortgage loan on a multi-family property in Riverside. Call us or fill out our contact form to take advantage of these great rates and terms on your commercial real estate loan needs.
Having 5 months in a row of commercial real estate loan delinquency rates increasing, we finally have a leveling off of the rate of increase.
The default rate dropped 22% to roughly 10.1% showing the biggest drop since Nvember 2011.
The batch of 2007 loans past their 5 year maturity date causing the decline.
Reducing debt gradually through monthly installments of principal and interest.
Apartment buildings are properties containing five or more living units with common area amenities such as lobby, mechanical space, walks, elevators, entrances, stairs or grounds. Units must be rented on a non-temporary basis, such that tenants consider their unit their permanent residence. Apartment buildings are also known as multi-family housing.
Written report by an appraiser containing an unbiased opinion as to the value of a property and the reasoning leading to this opinion. Factual data supporting this value will be set forth.
Appraisal Order Form
Signed by the borrower, this form authorizes a professional appraisal to be performed on a subject property.
The ability for another borrower to take over the previous borrower’s mortgage note.
Automotive is a broad category that includes an array of uses that support the automotive sector. This category encompasses oil-change facilities, auto repair shops, tire repair shops, used car lots, etc. The size and type of the structure will vary with use. Many structures are designed explicitly for the auto trade and have car lifts, overhead doors, and typically a small office area.
A form of mortgage with a promissory note that calls for the minimum payment of principal and interest at regular intervals, usually for 10 years or less. This type of note requires a substantial final payment, which represents the entire remaining principal.
A balloon mortgage’s final payment, which is substantially larger than the previous payments.
Conditional pre-approval letter
A written promise to make a mortgage loan at some time in the future if specified conditions are met according to the conditions set at pre-approval.
Day Care centers include early childhood, adult, senior care, handicapped facilities and developmental centers. They have activity rooms, multiple restrooms, and light kitchen facilities and are more residential in character than schools. Nurseries, children’s preschools, and kindergartens fall under this category.
Debt Service Coverage Ratio (DSCR)
A property’s ability to cover monthly payments defined as the ratio of net operating income over the periodic payment (principal and interest) made on a loan.
A DSCR of less than 1.00 means there is insufficient cash-flow generated by the property to cover required debt payments.
DSCR = (subject property gross monthly rents - operating expenses) divided by the (subject property monthly qualifying principal and interest
A common form of prepayment penalty in mortgages obtained through Wall Street conduits. It requires that borrowers who want to sell or refinance a collateral loan and consequently prepay their current loan, purchase securities as a substitute for the collateral property. The income from the securities pays off the loan over time, giving the lender a continuing source of income.
A report generated by qualified environmental firms to determine potential environmental hazards in a building’s region or within the building itself.
Exit points/Exit fee
A fee charged by the lender when the mortgage is paid off, whether it is paid off early or on time.
A provision in which the borrower agrees to certain guidelines for the future financial strength of the business which must be maintained throughout the life of the loan. If the borrower experiences business difficulties or loses a tenant, the lender has the right to find the borrower in default even if all loan payments are current.
Funeral homes consist of structures used for viewing purposes as well as those used for embalming services.
Health care properties include assisted living and nursing home type facilities where an operational license is mandatory. Service and quality levels vary significantly. Hospitals and medical treatment facilities, such as walk-in emergency medicine and out-patient care, are also included in this category.
A published index used to establish interest rates charged on adjustable-rate mortgages. The predetermined margin is added to the index to compute the interest rate adjustment.
An industrial property’s primary structure is intended for heavy assembly, manufacturing processes, or requires the use of heavy machinery. It contains an average quantity of office space proportional to the quality of the building and the anticipated use. Industrial facilities are characterized by their walls and floors, heavy frames, specialized manufacturing processes and power or utility-service.
LIBOR (London Interbank Offered Rate)
The average rate of interest that major London banks are willing to pay each other for U.S. dollar deposits for various terms.
Light Industrial properties are small size facility where no heavy manufacturing or specialized industrial operations take place. Office space within light industrial properties varies from 3% to 25% of the entire area. Structures must include sufficient lighting and plumbing to accommodate personnel. Typical uses found in light industrial properties consist of home service industries, assembly processes, cabinet making, etc. Missing from these properties is any type of heavy machinery, cranes, hazardous materials or welding operations.
A period of time after the loan origination during which a borrower cannot prepay the mortgage loan without penalty. If the borrower decides to pay off the loan in this lock-out period, they must pay the interest for the remaining time of the lock-out.
Mixed-use properties must include at least one commercial component (office, retail, etc.) and at least one residential component. If the principal use of the property is for commercial purposes, the property will fall under our mixed-use Tier II guidelines. The mixed-use property type can be categorized in any tier depending on the percentage of multifamily component and the kind of commercial use.
Mobile Home Park Loan
Mobile home parks are eligible as long as not more than 25% of the total spaces are used for Recreational Vehicles. Mobile home parks differ in quality and amenities and will be considered unless the RV component is too high.
Motel properties are usually classified as either “flagged” or “unflagged” hospitality. Flagged hospitality properties carry national franchises whereas unflagged hospitality properties do not have national franchise affiliations and are usually smaller and privately owned and operated.
Multifamily properties are buildings containing five or more living units with common area amenities such as lobby, mechanical space, walks, elevators, entrances, stairs or grounds. Units must be rented on a non-temporary basis, such that tenants consider their unit their permanent residence. Properties that offer weekly or monthly housing would not be considered multifamily properties.
No further action letter
A letter that states that no further clean-up is required at a site that has had environmental contamination problems.
Office buildings are structures designed for general commercial use and are usually subdivided into smaller units. Office use implies a general business use that does not include manufacturing, warehouse type operations, or retail.
Origination points/Origination fee
A charge by the lender for the work involved in the evaluation, preparation, and submission of a proposed mortgage loan.
A single tenant property where the owner’s business resides or a multi-tenant investment property where the owner’s business operates. Also, lenders have different policies as to what percentage of rents need to be contributed by the borrower in order for the property to qualify as owner-occupied.
A unique approach used by Commercial Direct® to facilitate a faster closing. Title, Appraisal and Environmental Due Diligence is ordered and performed simultaneously.
Phase I Environmental Assessment
An assessment prepared by a professional environmental consultant who reviews the property—both land and improvements—to ascertain the presence or potential presence
of environmental hazards, such as underground water contamination, PCBs, abandoned disposal of paints, and underground storage tanks.
Phase II Environmental Assessment
A further assessment after Phase I to verify the presence (or absence) of contaminants in the water or soil at the site. This assessment includes sampling activities (groundwater, soil, surface water, etc.) and is undertaken if there is any reason to suspect contamination.
The most favorable interest rate charged by banks to their most creditworthy customers for short-term loans, not mortgages.
A one-time finance charge, equal to one percent of the loan amount, charged by a broker or lender to raise the yield on the loan. The number of points charged can vary from lender to lender.
A listing of all tenants in a building, with monthly rent amounts and lease expiration dates.
Restaurants are intended for the preparation and sale of food and/or beverages. This category includes cafeterias, taverns, and bars.
Retail buildings are intended for retail sales and display and generally have decorative fronts. This category includes a wide variety of uses including, but not limited to, department stores, big box retailers, grocer stores, convenience stores, drugstores, laundromats, barber shops, etc.
Rooming houses are similar to multifamily properties but the tenancy is more temporary. Rooms are rented on a daily, weekly or monthly basis and typically only include a bedroom. Bathrooms and kitchens are shared by the tenants. Rent paid frequently includes all utilities and units may be furnished. Rooming house properties generally contain less than 20 units.
Funding using a loan secured by a second mortgage or second lien on a property.
Title Preference Form
Signed by the borrower, this form indicates how the title insurance should be secured, either by Commercial Direct or through the borrower.
An evaluation of loan documents in order to approve or deny a mortgage loan.
Unflagged hospitality is a motel or hotel property with no national franchise affiliation. “Mom & Pop” style operators commonly run these types of properties and the level and quality of service is significantly varied.
Warehouses are designed mostly for storage use. Office space, ranging from 3% to 12% of the total area, is typically proportional with the quality of the building. Lighting and plumbing are normally limited due to the projected light personnel load. The design of the structure generally consists of a light frame with large open interior areas. Transit warehouses (truck terminal) and cold storage are included in this category.
Yield maintenance provision
A prepayment penalty that compensates the lender if the borrower refinances a loan during the prepayment period. It guarantees that the lender will receive the same yield that would
have been received if the borrower had not refinanced.
Closed another commercial mortgage in Las Vegas, Nevada
9 Day Close
Great fixed rate
We have excellent commercial mortgage rates on all commercial property types. Great rates on Multi-Family loans!
OMG what a week, you have no idea! Commercial Real Estate Loans are the way to go! Call today.
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Commercial Real Estate Loans
Lenders Commercial Mortgage loans money on all types of commercial property.
This includes commercial real estate loans for office, retail, warehouse, industrial, multifamily apartments.
Also we lend on hotels, mobile home parks, self storage properties and special purpose properties such as restaurants, gas stations, convenience stores, oil change shops, and owner occupied properties.
Fill out the online form to start the process of getting a commercial real estate loan.
Commercial Real Estate Loans
Here are some of the types of property we lend on:
Office / Medical Office
Retail (all types)
High-tech / R & D
Mobile Home Parks
Hotels Self Storage
Skilled Nursing Homes
Need a commercial mortgage?
Apply with us today!