Commercial Mortgage Program

Rates are currently in the mid to upper 4%'s on this program for most borrowers/building types! In addtion, we're getting FULL COMMITMENTS on these loans, on average, in less than a week from the time we receive your loan package.

Conventional commercial mortgage financing is back! offering low, long term fixed rates and flexible underwriting standards. This is one of our most active loan programs and is available nationwide. Loan amounts range from $400,000 to $8,000,000. We are actively closing loans and if you are looking for other options besides what your local banks has, this is an outstanding option. If you are considering refinancing or purchasing a new commercial property, we urge you to take the first step by filling out our Pre Approval Form now.

Its worthwhile to note that almost
every loan we close, has been
declined by at least 3 other banks.

4%'s!!!
Rates Now in the 4%'s!

By Jeff Rauth, President
of Commercial Finance
Advisors, Inc

medicalofficesba504loan
Closed SBA 504 Loan, Purchase
Indianapolis, IN

Commercial Refinance
Office Building, Dallas Tx

Virtually all property types are acceptable (excluding multi family, gas stations, hotels, night clubs, car dealerships and car washes). Fixed rates range from 90 days, 1 year, 3 years, 5 years and 10 years. No balloons, ever. Rate simply refixes itself after the initial fixed period expires. For example, if you went with the 5 year fixed, at the end of the fixed period your rate would simply re fix itself for another 5 years and does this for the full length of the loan. Zero costs to you when this happens. A lot of our clients like this as they know that they have their "bases covered" giving them peace of mind knowing they are not going to face a ballooning loan in the future. Amortization schedules are normally 25 years though 15 and 20 years is also available. This program is available for both owner users (meaning your business occupies the building) or investors.

Also, this is our most competitive program, in terms of closing costs and the quickest in terms of closing. We average only 45 days total, from start to finsh. Most of the time we're waiting for the appraisal to be completed. Compare this to most banks that take 90 days...

Again, we are aggressively seeking new loan requests! We truely believe that this is one of the best commercial mortgage programs in the nation.

For owner users, this loan can be used in conjunction with the SBA 504 loan and can go up to $12,000,000. So you can get 90% loan to value financing on either a purchase or refinance transactions. Please see table at the bottom of this page for more qualifying parameters.

Benefits and Highlights of the Program:

This is an actively CLOSING loan program and you do NOT have to be perfect to qualify.
Available nationwide on virtually all property types.
Quick underwriting decisions and closings.
Commonsense underwriting, with flexibility to "get over" many issues with decent explanations.
One of the most cost competitive commercial mortgages in the nation.
Max Loan Amount: $8,000,000 and if combined with a SBA 504 loan up to $12,000,000.
Outstanding Rates: Go here to see commercial mortgage rates, that are updated every 2 weeks.
Fixed periods to: 10 years, 5 years, 3 years, 1 year and 90 day. Rate "re-fixes" itself after fixed period expires for another period of the same duration. I.e. if you initially elected to get a 5 year fixed, at the end of 5 years, the rate would re-fix itself for another 5 years - this goes on until loan is paid off. So no need to refinance the loan with another bank when loan re-fixes. This gives many borrowers piece of mind that they will NOT be facing a ballooning loan.
Amortization schedules: 15, 20 & 25 years. 25 years is preferred (with matching maturities i.e. NO balloons).
Credit scores as low as 650...

Get started now! Fill out our Pre Approval Form and we will get back to you immediately. This is perhaps the best commercial mortgage program in the nation. Please fill out the form now, note it should only take you 5 minutes to do so. Get it done now!

Qualifying Parameters

	OWNER OCCUPIED	INVESTOR NON OWNER OCCUPIED
Credit	Minimum credit score of 650 - no previous bankruptcies allowed	Minimum credit score of 650 - no previous bankruptcies allowed
Property Types NOT Eligible	Gas Station/C-Store Car Wash Auto Dealerships Night Clubs Fitness Centers	Gas Station/C-Store Car Wash Auto Dealerships Night Clubs Fitness Centers Start Ups
Experience	3 Years minimum	3 Years minimum
Lending Area	Nationwide	Nationwide EXCEPT: AZ, AL, CA, FL, GA, IN LA, OH, MI, MS, NV
Loan To Value	In conjunction with the SBA 504 Loan we can go up to 90% financing on all the below. 65% General Purpose conventionally, without the SBA (Office, Industrial, Retail, Medical) 60% Semi General, conventionally without the SBA Automotive repair, funeral home, grocery store, etc) 55% Special Use conventionally, without the SBA (Bowling centers, restaurant, assisted living, school, daycare, golf course, dry cleaners, self storage)	65% General Purpose (Office, Industrial, Retail, Medical) 60% Semi General (Automotive repair, funeral home, grocery store, etc) 55% Special Use (Bowling centers, restaurant, assisted living, school, daycare, golf course, dry cleaners, self storage)
Other		Amortization schedule normally capped at 20 years on investment properties. Also, 3 year minimum on existing leases preferred.

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Commercial Mortgage Program