Commercial Mortgage Loan

Do you need a commercial mortgage loan refinance in Georgia, Alabama, Mississippi, Tennessee, South Carolina, and North Carolina?

Find out if now is the right time for a commercial mortgage loan refinance! You may be able to lower your monthly payments or reduce the time it takes to pay off your loan. You may also be able to save even more if you use your commercial mortgage loan proceeds to pay off credit card or other installment debt, since mortgage interest is usually 100% tax-deductible, and interest on consumer debt is not. So if your need is for a commercial mortgage loan in Georgia, Alabama, Mississippi, Tennessee, South Carolina, and North Carolina? We can help.

Here are some important reasons to consider refinancing:

- Get a lower mortgage rate and reduce interest costs.
- Convert an adjustable rate mortgage to a secure, fixed-rate mortgage.
- Consolidate your first & second mortgages into a mortgage with a lower rate.
- Get cash for family or business wants and needs.

We can help you realize your commercial real estate refinancing by offering you no nonsense underwriting:

We focus on credit scores and personal financial strength, not only on property cash flow.
Establish the borrower's ability to repay the loan by drawing upon all income sources.
We do not have minimum property debt service coverage requirements.
A lot of properties that may not pass traditional commercial underwriting guidelines can be financed throught us!
We have both stated & full documentation commercial mortgage loans.

See our Guidlines below:

Notice: At this time only tier I & Tier II property types are fundable.

Loan Size	Rates
$100,000 up to $1.5 million.	Pricing based on property type, LTV and amortization. To access our rates, please click here
Property Types	Credit
To view all eligible property types, please click here	660+ credit scores for primary borrower or primary guarantor.
Timing	Loan-to-Value
48 hours pre-approvals; 30-45 day closings.	Loans up to 80% of property value. On our commercial mortgage loans.
Rate Locks	Loan Purpose
Rate locks are automatic on the 2 and 3-year fixed programs.	Rate/term refinance, cash-out refinance or purchase.
Prepayment Fees	Occupancy
5% for 5 years for all programs.	Owner occupied or investor properties are acceptable.
Closing Costs	Loan Types
$750 lender fee. All third party costs including appraisal, title, environmental insurance and survey (if required) are paid by borrower. $500 fee paid at closing if borrower declines automatic payment. $295 appraisal review fee.	2, 3, 5 and 7-year fixed, then adjustable; fixed rate interest only programs are available.
Guarantee	Terms
Personal guarantees are mandatory for all eligible borrowers including individuals, corporations, partnerships, LPs, LLCs and certain trusts.	15, 20 and 30-year fully amortizing loans are available on all property types. On our commercial mortgage loans.
Escrows	Target Borrower
Tax escrows are required. Insurance escrows may be required. On our commercial mortgage loans.	660+ middle credit score, low debt relative to income, willing and able to fully document their income, at least 2 months of principal and interest payments in liquid assets, no bankruptcies within the last 7 years.