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Long term fixed rates - The interest rate is fixed for the life of the loan and will never change. You will never need to worry about a rate change. Generally the shorter the term the lower the rate.
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"I had been searching for a commercial mortgage for about 2 months and not satisfied with anyone. The problem I found, was that commercial mortgages were more specialized then I’d at first realized. CMA not only knew what they were talking about but had great sources to pull off the best rates I’d found. The loan went like clockwork in the time frame they outlined. I was very satisfied."
Larry McDonald
Art & Picture Store
"Gary’s ability to find the right financing for each deal has always come through. Whether it is an interest only loan to build up reserves for future tenant fit-up or finding a long term loan for a NNN leased single tenant property Gary gets it done. I am impressed with Gary’s straight forward approach to how he goes about getting the financing and the way he keeps on track with getting the deal closed."
John Schilp
Managing Member
25 Edison LLC, 35 Whitney LLC
"This was my first commercial deal and it went very smoothly, especially through underwriting! I am definitely coming back for deals in the future."
Bill Traver
Jewel Property Management
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30 year amortization's - The longer the amortization, the lower your monthly payment. This is ideal for properties where you are looking for maximum cash flow and paying down the principle balance is not an immediate concern.
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Interest only loans -
You pay no principle on the loan amount, interest only. therefore minimizing your monthly payment and maximizing cash flow.
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Non-recourse financing - Borrower is not personally liable for this loan type. Prepayment options here will vary.
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No income verification - We will not require to see your business or personal tax returns. Just a simple application form needs to be completed.
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Minimum prepayment penalty -
We can offer specific programs where the prepayment penalty is minimized so you wont be subject to the uncertainty of a penalty when you sell or refinance .
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Low adjustable interest rate - This program is ideal for those investors holding on to the property for a short period of time and can take advantage of a very low initial interest rate to maximize cash flow.
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Poor credit programs - If you have had some credit issues in the past and your credit score just isn't where it should be, we have a program for you.
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Up to 100% LTV for owner occupied - If you will be purchasing real estate to operate your primary business we can finance it all. Closing costs & working capital, too!
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Up to 90% LTV for investor - If you are purchasing a property for investment and have a limited down payment we can help. As long as the deal “makes sense“ you only need a 10% down payment.
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Secondary financing permitted - In some cases we can permit the seller to hold a second mortgage , therefore allowing you to minimize your initial down payment.
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Second mortgages - For those properties with significant equity, rather than refinancing, perhaps a second mortgage will work.
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Short term bridge loans - Need to bridge the gap?
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Construction financing - We provide land acquisition, construction and permanent financing for those building from the ground up at very competitive rates.
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Hard money - Quick, easy and minimal documentation is required when you don’t mind paying a higher rate to meet a specific need.
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Small business loans - Only buying a business? no real estate? We are still interested providing the business has a good history.
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Equipment financing & Lines of Credit - If your business is looking to expand to keep up with your industry, stay ahead of receivables or in need or working capital we have lots of options.
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and more…
please call to discuss whatever your commercial financing needs may be |
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