based on Residential Lending Guidelines

Our experienced Commercial Loan Department will allow your Commercial Loan process go smoother from start to closing

•   Predictable and consistent
•   Quick up-front approvals (48-72 hours)
•   Based on Fannie/Freddie residential   
    guidelines

Less Complex

•   Borrower Focus vs. Property Cash Flow
•   Credit score
•   Personal financial strength
•   All income sources, not just property cash
    flow
•   Assets and cash reserves

More Qualified Buyers and Properties

•   Qualified on DTI OR DSCR

•   15, 20, 30 year fully amortized

•   Fixed and Adjustable rate options

•   Purchase, Rate & Term Refi, Cashout Refi (unlimited)

•   Owner occupied or investor

•   90% Financing available (10% Down)

•   95% CLTV with seller 2^nd (5% Down)

•   Individuals, LLCs, Corporations, Partnerships, Trusts

•   No limit on loans to one borrower

•   No depository relationship required

•   Up-front Approvals

•   DTI Driven

•   Borrowers with 580+ middle score

•   Local or out of state

PROPERTY TYPES

• Office  

• Warehouse/Self Storage    

• Bed & Breakfast  

• Mixed-use

• Retail

• Industrial

• Qualifying Mobile Home Parks

• Automotive

• Funeral Home

• Hospitality

• Rooming House

• Day Care

• RV Park

• Restaurant

• Special Purpose

• Land  
• Multifamily 
• Traditional Church
• Gas Stations
• Constructions