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COMMERCIAL LOAN RATES Commercial loan interest rates can move quickly with the market so many investors are constantly trying to stay on top of the most recent interest rates to know if they’re getting a good rate from their local lender or if they should shop around. INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL LOAN INTEREST RATES GRAPHS & TRENDS Commercial Loan Index Rate Trends. Use our graphs below to see how index rates have trended over time. Simply select the index that you wish to see (i.e. treasury rates, LIBOR, swaps, etc.) from the drop-down menu below and the historical yearly, monthly, quarterly, and weekly index rates will be displayed. COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
CAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. CHURCH MORTGAGE, CHURCH LOANS, & CHURCH FINANCING BY Commercial Loan Direct provides financing for churches nationwide including; church purchasing or acquisition, church refinance, and church construction. a. Bond financing option = $1,000,000. b. Conventional bank financing option = $700,000. Please note this is a general summary of terms and not a formal loan commitment.DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
APARTMENT LOAN CALCULATOR We are here to finance your apartment building. Please note that this information should be used as a guideline and is not a commitment to lend. Maximum Apartment Loan Amount Calculator. 100% Gross Potential Income(1) $. Less Vacancy and Uncollectibles(2) $. 5% 7.5% INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. COMMERCIAL MORTGAGE CALCULATOR Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
COMMERCIAL LOAN RATES Commercial loan interest rates can move quickly with the market so many investors are constantly trying to stay on top of the most recent interest rates to know if they’re getting a good rate from their local lender or if they should shop around. INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL LOAN INTEREST RATES GRAPHS & TRENDS Commercial Loan Index Rate Trends. Use our graphs below to see how index rates have trended over time. Simply select the index that you wish to see (i.e. treasury rates, LIBOR, swaps, etc.) from the drop-down menu below and the historical yearly, monthly, quarterly, and weekly index rates will be displayed. COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
CAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. CHURCH MORTGAGE, CHURCH LOANS, & CHURCH FINANCING BY Commercial Loan Direct provides financing for churches nationwide including; church purchasing or acquisition, church refinance, and church construction. a. Bond financing option = $1,000,000. b. Conventional bank financing option = $700,000. Please note this is a general summary of terms and not a formal loan commitment.DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
APARTMENT LOAN CALCULATOR We are here to finance your apartment building. Please note that this information should be used as a guideline and is not a commitment to lend. Maximum Apartment Loan Amount Calculator. 100% Gross Potential Income(1) $. Less Vacancy and Uncollectibles(2) $. 5% 7.5% INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products.COMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. APARTMENT LOAN CALCULATOR We are here to finance your apartment building. Please note that this information should be used as a guideline and is not a commitment to lend. Maximum Apartment Loan Amount Calculator. 100% Gross Potential Income(1) $. Less Vacancy and Uncollectibles(2) $. 5% 7.5%CAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. HOW TO PREPARE A FINANCIAL PACKAGE FOR A COMMERCIAL LOAN Year-to-date business operating statements. Current business balance sheet, including current debt schedule. 3 years of personal tax returns (W-2 if last year is on extension) Personal Financial Statement. For refinance – current loan payoff including any prepay penalty. For purchase – executed Purchase & Sale Agreement. HOW TO START INVESTING IN COMMERCIAL REAL ESTATE Here are 5 steps to follow in order to jump into the commercial real estate investment game safely: 1. Set a Realistic Budget and Stick to It. It’s important to set an affordable budget for the property (either with or without financing) that can withstand any market changes or corrections. Stretching too far or leveraging too much canlead
FHA MOBILE HOUSING LOANS Section 207 insures loans to provide financing for mobile home parks. Section 207 increases the affordablity and availability of the finance of mobile home parks. This program provides FHA loan insurance for HUD-approved lenders. SELF STORAGE COMMERCIAL LOANS Self Storage Commercial Financing Nationwide. The term self storage is short for self-service storage, and is also known as mini storage or mini warehouse (archaic). Self storage facilities lease space to individuals, usually storing household goods, or to small businesses, usually storing excess inventory or archived records. FHA ASSISTED LIVING CONVERSION PROGRAM FHA Assisted Living Conversion Program. The Assisted Living Conversion Program provides private, nonprofit owners of eligible developments with a grant to convert dwelling units into an Assisted Living Facility or Service-Enriched Housing for elderly residents. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they URBAN RENEWAL MULTIFAMILY LOANS Section 220 Purpose. Section 220 protects lenders by insuring them against losses from mortgage defaults. Section 220 enables nonprofit cooperative living corporations or trusts to develop or sponsor the development of housing projects to be operated as cooperatives. Section 220 also allows investors to provide good quality multifamilyhousing
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR Commercial mortgage refinance calculator. Calculate the economic impact of refinancing your commercial mortgage with our tool CHURCH MORTGAGE, CHURCH LOANS, & CHURCH FINANCING BY Church Commercial Real Estate Loans and Mortgages. Save with no points and low closing costs. Offering financing lending nationwide. Mortgages at low rates. 5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). FREDDIE MAC AFFORDABLE HOUSING BOND CREDIT ENHANCEMENT A credit enhancement program for fixed- or variable-rate multifamily housing bonds including bond refundings, substitutions, or new issue transactions with 80-20 bonds, combination bonds, 501(c)(3) bonds, Section 8, Section 236 or tax abatements.DSCR CALCULATOR
What is a debt service coverage ratio? Debt service coverage ratio (DSCR) is the ratio of cash accessible for servicing a loan or anentity's debt.
FHA RISK-SHARING PROGRAM Section 542(b) Purpose. This program helps encourage the production of affordable housing projects. The program provides insurance and reinsurance for commercial housing projects whose mortgages are originated, underwritten, serviced, and disposed of by a QPE and/or its approved lenders. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. DEBT YIELD & HOW TO CALCULATE Lenders use the debt yield ratio to evaluate the risk involved with lending money to a property owner. By definition, it is the return the lender would receive if the borrower defaulted on the loan and the lender had to foreclose on the subject property. Calculated in percentage points, it is the return the lender makes from the real estate after the foreclosure. WHAT IS A TREASURY SWAP RATE? The US Treasury Swaps work just like any other interest rate swap, but are pegged to the US Treasuries rather than another index (i. e. LIBOR). The Treasury contract would be an agreement between two separate parties to exchange one stream of payments (i. e. treasury bill) for another over a set period of time. The parties to a typical swap contract are 1) a business, financial institution or INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR Commercial mortgage refinance calculator. Calculate the economic impact of refinancing your commercial mortgage with our tool CHURCH MORTGAGE, CHURCH LOANS, & CHURCH FINANCING BY Church Commercial Real Estate Loans and Mortgages. Save with no points and low closing costs. Offering financing lending nationwide. Mortgages at low rates. 5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). FREDDIE MAC AFFORDABLE HOUSING BOND CREDIT ENHANCEMENT A credit enhancement program for fixed- or variable-rate multifamily housing bonds including bond refundings, substitutions, or new issue transactions with 80-20 bonds, combination bonds, 501(c)(3) bonds, Section 8, Section 236 or tax abatements.DSCR CALCULATOR
What is a debt service coverage ratio? Debt service coverage ratio (DSCR) is the ratio of cash accessible for servicing a loan or anentity's debt.
FHA RISK-SHARING PROGRAM Section 542(b) Purpose. This program helps encourage the production of affordable housing projects. The program provides insurance and reinsurance for commercial housing projects whose mortgages are originated, underwritten, serviced, and disposed of by a QPE and/or its approved lenders. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. DEBT YIELD & HOW TO CALCULATE Lenders use the debt yield ratio to evaluate the risk involved with lending money to a property owner. By definition, it is the return the lender would receive if the borrower defaulted on the loan and the lender had to foreclose on the subject property. Calculated in percentage points, it is the return the lender makes from the real estate after the foreclosure. WHAT IS A TREASURY SWAP RATE? The US Treasury Swaps work just like any other interest rate swap, but are pegged to the US Treasuries rather than another index (i. e. LIBOR). The Treasury contract would be an agreement between two separate parties to exchange one stream of payments (i. e. treasury bill) for another over a set period of time. The parties to a typical swap contract are 1) a business, financial institution orCOMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. COMMERCIAL MORTGAGE CALCULATOR Welcome to our amortization and loan payment calculator.Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the valuerequested.
HOW TO PREPARE A FINANCIAL PACKAGE FOR A COMMERCIAL LOAN Types Of Commercial Loans. To find a commercial loan suitable for your needs, use our loan finder tool.We provide loans for the following properties (but not limited to): Multifamily, Office, Retail, Industrial, Hospitals/Healthcare, Self-Storage, Hotel, Mixed Use, and Churches.We provide financing in all 50 states. FHA RISK-SHARING PROGRAM Section 542(b) Purpose. This program helps encourage the production of affordable housing projects. The program provides insurance and reinsurance for commercial housing projects whose mortgages are originated, underwritten, serviced, and disposed of by a QPE and/or its approved lenders. COMMERCIAL LOAN INTEREST RATES GRAPHS & TRENDS Commercial Loan Index Rate Trends. Use our graphs below to see how index rates have trended over time. Simply select the index that you wish to see (i.e. treasury rates, LIBOR, swaps, etc.) from the drop-down menu below and the historical yearly, monthly, quarterly, and weekly index rates will be displayed. FHA COOPERATIVE HOUSING LOANS Section 213 insures loans for the construction, acquisition, and the rehabilitation of cooperative housing. Each member of Section 213 is able to share ownership of the project and has the right to participate in project operations and occupy a specific unit bypurchasing stock.
DEBT YIELD & HOW TO CALCULATE Lenders use the debt yield ratio to evaluate the risk involved with lending money to a property owner. By definition, it is the return the lender would receive if the borrower defaulted on the loan and the lender had to foreclose on the subject property. Calculated in percentage points, it is the return the lender makes from the real estate after the foreclosure. SBA 7A LOAN USE OF PROCEEDS If you are awarded a 7(a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a fewrestrictions.
NEW HAMPSHIRE COMMERCIAL LOANS Commercial Real Estate Mortgages New Hampshire. Commercial Loan Direct (“CLD”) provides commercial real estate mortgages in New Hampshire. CLD is a national commercial mortgage lender known for offering aggressively priced programs and superb service. OREGON APARTMENT LOANS Oregon apartment loans. Offering lowest rates and closing cost for multifamily mortgages in Oregon including: Conventional, FHA, Fannie Mae, Freddie Mac, and CMBS-Conduit.COMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O).CAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. APARTMENT LOAN CALCULATOR We are here to finance your apartment building. Please note that this information should be used as a guideline and is not a commitment to lend. Maximum Apartment Loan Amount Calculator. 100% Gross Potential Income(1) $. Less Vacancy and Uncollectibles(2) $. 5% 7.5%DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
FHA RISK-SHARING PROGRAM FHA Risk-Sharing Program - HUD Section 542 (b) Mortgages. HUD provides reinsurance on commercial housing properties whose loans are originated, serviced, and underwritten by Qualifying Participating Entities. Section 542 (b) encourages the development for affordablehousing projects.
DEBT YIELD & HOW TO CALCULATE Lenders use the debt yield ratio to evaluate the risk involved with lending money to a property owner. By definition, it is the return the lender would receive if the borrower defaulted on the loan and the lender had to foreclose on the subject property. Calculated in percentage points, it is the return the lender makes from the real estate after the foreclosure. WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.780%, the 5-year swap spread INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. 5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property).COMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O).CAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. APARTMENT LOAN CALCULATOR We are here to finance your apartment building. Please note that this information should be used as a guideline and is not a commitment to lend. Maximum Apartment Loan Amount Calculator. 100% Gross Potential Income(1) $. Less Vacancy and Uncollectibles(2) $. 5% 7.5%DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
FHA RISK-SHARING PROGRAM FHA Risk-Sharing Program - HUD Section 542 (b) Mortgages. HUD provides reinsurance on commercial housing properties whose loans are originated, serviced, and underwritten by Qualifying Participating Entities. Section 542 (b) encourages the development for affordablehousing projects.
DEBT YIELD & HOW TO CALCULATE Lenders use the debt yield ratio to evaluate the risk involved with lending money to a property owner. By definition, it is the return the lender would receive if the borrower defaulted on the loan and the lender had to foreclose on the subject property. Calculated in percentage points, it is the return the lender makes from the real estate after the foreclosure. WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.780%, the 5-year swap spread INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. 5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). COMMERCIAL LOAN RATES Other Rates. Apartment Loan Rates; Current Index Rates; Current CLD Specials; What are the Different Types of Commercial Loans? There are many types of commercial loans available in the United States, and the type of loan that a borrower should consider depends on several factors including investment strategy, loan features, other properties in your portfolio, credit availability for future COMMERCIAL MORTGAGE CALCULATOR Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
5 STEPS TO GET A COMMERCIAL LOAN How to Get a Commercial Loan in 5 Steps. Step 1: Identify a Property and Put it Under Contract Step 2: Prepare your Financial Package Step 3: Submit Financial Package for a Quote Step 4: Choose a Loan Product Step 5: Due Diligence & Closing Many new commercial borrowers are familiar with the process for obtaining a home loan—you find a lender or loan officer, submit income and tax OWNER-OCCUPIED COMMERCIAL LOANS Owner-Occupied Commercial Mortgages | Nationwide Financing. An owner-occupied loan can be made for any property type where the Borrower occupies over 50% of the property’s leasable space, select self-storage facilities, or select hospitality. The Borrower’s business that occupies the building is underwritten to make sure thatit makes
NOI CALCULATOR COMMERCIAL LOANS NOI is the annual income generated by a property after taking into account all income collected from operations, and deducting all expenses incurred from operations. Use our calculator toy calculate your Net Operating Income. COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
PREPARING A FINANCIAL PACKAGE. COMMERCIAL REAL ESTATE LOAN 1. Property Operating Statements for Trailing Three Years and Year-to-Date. (Attached or use your own). 2. Property Rent Roll (attached or use your own). 3. Personal Financial Statement for All Principals and Resume (attached or use your own). Personal FinancialStatement &
FHA RISK-SHARING PROGRAM FHA Risk-Sharing Program - HUD Section 542 (b) Mortgages. HUD provides reinsurance on commercial housing properties whose loans are originated, serviced, and underwritten by Qualifying Participating Entities. Section 542 (b) encourages the development for affordablehousing projects.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). FHA RISK-SHARING PROGRAM Section 542 (c) allows credit improvement for multifamily housing projects whose loans are processed, underwritten, serviced, and disposed of by HFAs. HUD and HFAs share in the risk of the mortgage. The program serves as a pilot to assess the feasibility of risk-sharing partnerships between HUD and qualified State and localHFAs in providing
COMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. LOAN PAYMENT CALCULATOR & AMORTIZATION Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). HOTEL LOANS IN MEXICO Hotel Commercial Loans - Mexican Resorts. A resort hotel is a luxury, full service facility which provides lodging for guests as well as entertainment, catering, and recreation. We provide commercial loans for resort hotels in Mexico. Listed below are a few cities we provide financing in. Cancún. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.810%, the 5-year swap spreadCOMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. LOAN PAYMENT CALCULATOR & AMORTIZATION Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONE In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). HOTEL LOANS IN MEXICO Hotel Commercial Loans - Mexican Resorts. A resort hotel is a luxury, full service facility which provides lodging for guests as well as entertainment, catering, and recreation. We provide commercial loans for resort hotels in Mexico. Listed below are a few cities we provide financing in. Cancún. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.810%, the 5-year swap spread COMMERCIAL LOAN RATES Other Rates. Apartment Loan Rates; Current Index Rates; Current CLD Specials; What are the Different Types of Commercial Loans? There are many types of commercial loans available in the United States, and the type of loan that a borrower should consider depends on several factors including investment strategy, loan features, other properties in your portfolio, credit availability for future 5 STEPS TO GET A COMMERCIAL LOAN How to Get a Commercial Loan in 5 Steps. Step 1: Identify a Property and Put it Under Contract Step 2: Prepare your Financial Package Step 3: Submit Financial Package for a Quote Step 4: Choose a Loan Product Step 5: Due Diligence & Closing Many new commercial borrowers are familiar with the process for obtaining a home loan—you find a lender or loan officer, submit income and taxCAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. APARTMENT LOAN RATES 2021 Current Apartment Loan Interest Rates and Terms. Although interest rates depend on the underwriting of the property’s location, LTV, DSCR, borrower’s experience and financial strength, as well as any required loan features, below are interest rates that are representative of good-quality apartment complexes in major markets with strong borrowers.DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
WHAT IS A TREASURY SWAP RATE? The US Treasury Swaps work just like any other interest rate swap, but are pegged to the US Treasuries rather than another index (i. e. LIBOR). The Treasury contract would be an agreement between two separate parties to exchange one stream of payments (i. e. treasury bill) for another over a set period of time. The parties to a typical swap contract are 1) a business, financial institution or LOW-RISE GARDEN APARTMENTS DEFINITION Definition: A Multifamily subtype; a one-, two- or three-story apartment building or development with 5 or more apartments characterized by a garden-like setting and its location in a town or unincorporated developed area in a close proximity to a city. Suburbs, largely residential, are often dependent on the city for employment and support services; generally characterized by low-density FHA RISK-SHARING PROGRAM FHA Risk-Sharing Program - HUD Section 542 (b) Mortgages. HUD provides reinsurance on commercial housing properties whose loans are originated, serviced, and underwritten by Qualifying Participating Entities. Section 542 (b) encourages the development for affordablehousing projects.
OREGON APARTMENT LOANS Commercial Loan Direct (“CLD”) provides a variety of apartment loans in Oregon. CLD offers competitive commercial loan rates, professional service and quick execution on multifamily mortgages. Our firm offers the following financial products for apartment mortgages: Conventional, Conduit, FHA, Freddie Mac, Fannie Mae, and hedge funds. FREDDIE MAC AFFORDABLE HOUSING BOND CREDIT ENHANCEMENT Bond Credit Enhancement with Other Affordability Components. A credit enhancement program for fixed- or variable-rate multifamily housing bonds including bond refundings, substitutions, or new issue transactions with 80-20 bonds, combination bonds, 501 (c) (3) bonds, Section 8, Section 236 or tax abatements. Summary.COMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. LOAN PAYMENT CALCULATOR & AMORTIZATION Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONEBEST FUNDS TO INVEST INHOW TO INVEST IN MUTUAL FUNDSINVEST IN FUNDS OR STOCKSINVEST IN MUTUAL FUNDSMONEY MARKET FUNDS INVEST INWHY INVEST IN MUTUAL FUNDS In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). HOTEL LOANS IN MEXICO Hotel Commercial Loans - Mexican Resorts. A resort hotel is a luxury, full service facility which provides lodging for guests as well as entertainment, catering, and recreation. We provide commercial loans for resort hotels in Mexico. Listed below are a few cities we provide financing in. Cancún. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.810%, the 5-year swap spreadCOMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. LOAN PAYMENT CALCULATOR & AMORTIZATION Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONEBEST FUNDS TO INVEST INHOW TO INVEST IN MUTUAL FUNDSINVEST IN FUNDS OR STOCKSINVEST IN MUTUAL FUNDSMONEY MARKET FUNDS INVEST INWHY INVEST IN MUTUAL FUNDS In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). HOTEL LOANS IN MEXICO Hotel Commercial Loans - Mexican Resorts. A resort hotel is a luxury, full service facility which provides lodging for guests as well as entertainment, catering, and recreation. We provide commercial loans for resort hotels in Mexico. Listed below are a few cities we provide financing in. Cancún. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.810%, the 5-year swap spread COMMERCIAL LOAN RATES Other Rates. Apartment Loan Rates; Current Index Rates; Current CLD Specials; What are the Different Types of Commercial Loans? There are many types of commercial loans available in the United States, and the type of loan that a borrower should consider depends on several factors including investment strategy, loan features, other properties in your portfolio, credit availability for future 5 STEPS TO GET A COMMERCIAL LOAN How to Get a Commercial Loan in 5 Steps. Step 1: Identify a Property and Put it Under Contract Step 2: Prepare your Financial Package Step 3: Submit Financial Package for a Quote Step 4: Choose a Loan Product Step 5: Due Diligence & Closing Many new commercial borrowers are familiar with the process for obtaining a home loan—you find a lender or loan officer, submit income and taxCAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. APARTMENT LOAN RATES 2021 Current Apartment Loan Interest Rates and Terms. Although interest rates depend on the underwriting of the property’s location, LTV, DSCR, borrower’s experience and financial strength, as well as any required loan features, below are interest rates that are representative of good-quality apartment complexes in major markets with strong borrowers.DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
WHAT IS A TREASURY SWAP RATE? The US Treasury Swaps work just like any other interest rate swap, but are pegged to the US Treasuries rather than another index (i. e. LIBOR). The Treasury contract would be an agreement between two separate parties to exchange one stream of payments (i. e. treasury bill) for another over a set period of time. The parties to a typical swap contract are 1) a business, financial institution or LOW-RISE GARDEN APARTMENTS DEFINITION Definition: A Multifamily subtype; a one-, two- or three-story apartment building or development with 5 or more apartments characterized by a garden-like setting and its location in a town or unincorporated developed area in a close proximity to a city. Suburbs, largely residential, are often dependent on the city for employment and support services; generally characterized by low-density FHA RISK-SHARING PROGRAM FHA Risk-Sharing Program - HUD Section 542 (b) Mortgages. HUD provides reinsurance on commercial housing properties whose loans are originated, serviced, and underwritten by Qualifying Participating Entities. Section 542 (b) encourages the development for affordablehousing projects.
OREGON APARTMENT LOANS Commercial Loan Direct (“CLD”) provides a variety of apartment loans in Oregon. CLD offers competitive commercial loan rates, professional service and quick execution on multifamily mortgages. Our firm offers the following financial products for apartment mortgages: Conventional, Conduit, FHA, Freddie Mac, Fannie Mae, and hedge funds. FREDDIE MAC AFFORDABLE HOUSING BOND CREDIT ENHANCEMENT Bond Credit Enhancement with Other Affordability Components. A credit enhancement program for fixed- or variable-rate multifamily housing bonds including bond refundings, substitutions, or new issue transactions with 80-20 bonds, combination bonds, 501 (c) (3) bonds, Section 8, Section 236 or tax abatements. Summary.COMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. LOAN PAYMENT CALCULATOR & AMORTIZATION Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONEBEST FUNDS TO INVEST INHOW TO INVEST IN MUTUAL FUNDSINVEST IN FUNDS OR STOCKSINVEST IN MUTUAL FUNDSMONEY MARKET FUNDS INVEST INWHY INVEST IN MUTUAL FUNDS In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). HOTEL LOANS IN MEXICO Hotel Commercial Loans - Mexican Resorts. A resort hotel is a luxury, full service facility which provides lodging for guests as well as entertainment, catering, and recreation. We provide commercial loans for resort hotels in Mexico. Listed below are a few cities we provide financing in. Cancún. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.810%, the 5-year swap spreadCOMMERCIAL LOANS
Commercial Mortgages: Owner Occupied. Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. LOAN PAYMENT CALCULATOR & AMORTIZATION Welcome to our amortization and loan payment calculator. Here you can calculate your monthly payment, total payment amount, and view your amortization schedule. If you have any trouble understanding any of the fields, hover over the field for a description of the value requested. Advanced fields for payment frequency, compound frequency,and
INTEREST-ONLY PAYMENT CALCULATOR Interest-Only (“I/O”) Loan Calculation. In order to calculate your monthly payments on an interest-only loan (whether it is for a period or the full term of the loan), you will need your starting loan balance, interest rate, the length of the interest-only period, the total term of the loan, and the amortization schedule after the interest-only period ends (if the loan isn’t full-term I/O). COMMERCIAL MORTGAGE REFINANCE CALCULATOR This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs. Note: The commercial mortgagecalculators
DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
5 STEPS TO INVEST IN AN OPPORTUNITY ZONEBEST FUNDS TO INVEST INHOW TO INVEST IN MUTUAL FUNDSINVEST IN FUNDS OR STOCKSINVEST IN MUTUAL FUNDSMONEY MARKET FUNDS INVEST INWHY INVEST IN MUTUAL FUNDS In order to avoid paying Uncle Sam on the profit you made on that stock portfolio, property, or other investment that would have usually triggered the capital gains tax (currently up to 20%), you can re-invest that money into an investment property in a designated Opportunity Zone in order to defer, decrease, or even eliminate it (depending on how long you hold the property). HOTEL LOANS IN MEXICO Hotel Commercial Loans - Mexican Resorts. A resort hotel is a luxury, full service facility which provides lodging for guests as well as entertainment, catering, and recreation. We provide commercial loans for resort hotels in Mexico. Listed below are a few cities we provide financing in. Cancún. INTEREST RATE SWAPS & HOW TO USE THEM A bank may suggest that a borrower use an interest rate swap (IRS) in conjunction with an adjustable-rate mortgage (ARM) instead of a traditional ARM or fixed-rate commercial real estate loan product when interest rates are low but expected to rise in the future. This hedges future interest rate risk and can have certain advantages over typical fixed rate mortgage products. SBA 7A LOAN USE OF PROCEEDS SBA 7a Commercial Loans - Use of Proceeds. If you are awarded a 7 (a) loan, you can use the loan proceeds to help finance a large variety of business purposes. However, there are a few restrictions. For example, proceeds can’t be used to buy an asset to hold for its potential increased value or to reimburse an owner for the money they WHAT IS A TREASURY SWAP RATE? What is a Treasury Swap Spread? The difference between the US Treasury Yield and the corresponding swap rate is called the “swap spread.” More specifically, the Treasury swap rate – corresponding Treasury yield = the swap spread.For example, if the current market rate for a 5-year treasury swap is 0.540 % and the current 5-year Treasury yield is 0.810%, the 5-year swap spread COMMERCIAL LOAN RATES Other Rates. Apartment Loan Rates; Current Index Rates; Current CLD Specials; What are the Different Types of Commercial Loans? There are many types of commercial loans available in the United States, and the type of loan that a borrower should consider depends on several factors including investment strategy, loan features, other properties in your portfolio, credit availability for future 5 STEPS TO GET A COMMERCIAL LOAN How to Get a Commercial Loan in 5 Steps. Step 1: Identify a Property and Put it Under Contract Step 2: Prepare your Financial Package Step 3: Submit Financial Package for a Quote Step 4: Choose a Loan Product Step 5: Due Diligence & Closing Many new commercial borrowers are familiar with the process for obtaining a home loan—you find a lender or loan officer, submit income and taxCAP RATE CALCULATOR
A cap rate is calculated by dividing the Net Operating Income (NOI) of a property by the purchase price (for new purchases) or the value (for refinances). Use the calculator below to calculate your cap rate. Simply enter your NOI and purchase price or market value. The cap rate value will be automatically calculated for you. APARTMENT LOAN RATES 2021 Current Apartment Loan Interest Rates and Terms. Although interest rates depend on the underwriting of the property’s location, LTV, DSCR, borrower’s experience and financial strength, as well as any required loan features, below are interest rates that are representative of good-quality apartment complexes in major markets with strong borrowers.DSCR CALCULATOR
Commercial lenders use a minimum DSCR as a loan requirement. Fill out the fields below to calculate your DSCR. To calculate the minimum NOI needed for a particular DSCR, fill out the calculator below and drag the slider to the desired DSCR. Please note that most conventional loans require a DSCR of 1.2x or higher. DSCR = NOI / Debt Service.1.2x.
WHAT IS A TREASURY SWAP RATE? The US Treasury Swaps work just like any other interest rate swap, but are pegged to the US Treasuries rather than another index (i. e. LIBOR). The Treasury contract would be an agreement between two separate parties to exchange one stream of payments (i. e. treasury bill) for another over a set period of time. The parties to a typical swap contract are 1) a business, financial institution or LOW-RISE GARDEN APARTMENTS DEFINITION Definition: A Multifamily subtype; a one-, two- or three-story apartment building or development with 5 or more apartments characterized by a garden-like setting and its location in a town or unincorporated developed area in a close proximity to a city. Suburbs, largely residential, are often dependent on the city for employment and support services; generally characterized by low-density FHA RISK-SHARING PROGRAM FHA Risk-Sharing Program - HUD Section 542 (b) Mortgages. HUD provides reinsurance on commercial housing properties whose loans are originated, serviced, and underwritten by Qualifying Participating Entities. Section 542 (b) encourages the development for affordablehousing projects.
OREGON APARTMENT LOANS Commercial Loan Direct (“CLD”) provides a variety of apartment loans in Oregon. CLD offers competitive commercial loan rates, professional service and quick execution on multifamily mortgages. Our firm offers the following financial products for apartment mortgages: Conventional, Conduit, FHA, Freddie Mac, Fannie Mae, and hedge funds. FREDDIE MAC AFFORDABLE HOUSING BOND CREDIT ENHANCEMENT Bond Credit Enhancement with Other Affordability Components. A credit enhancement program for fixed- or variable-rate multifamily housing bonds including bond refundings, substitutions, or new issue transactions with 80-20 bonds, combination bonds, 501 (c) (3) bonds, Section 8, Section 236 or tax abatements. Summary.* Login
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* Bridge
* Construction
* COMMERCIAL LOANS
* Commercial Mortgages Department*
* Conventional
* Conduit / CMBS
* Insurance
* FHA / HUD
* SBA
* USDA
* Bridge
* Construction
* Commercial Loan Refinance* RATES __
* Commercial Loan Rates * Apartment Loan Rates * Interest Rate Trends* SPECIALS
* APPLY
__ __ __
FIND YOUR COMMERCIAL LOAN OPTIONS PROPERTY TYPE: Collateral Being Financed" data-toggle="popover"> __Property Type __
Property Type Apartment Hotel/Motel Industrial/Warehouse Medical/Healthcare Mixed Use Office Retail Self Storage OWNER OCCUPIED: Over 51% Occupied by Owner" data-toggle="popover"> __Occupancy __
Occupancy Owner Occupied Investment LOAN AMOUNT: Proceeds Requested" data-toggle="popover"> __Loan Amount __
PROPERTY VALUE: Value of Collateral Being Financed" data-toggle="popover"> __Property Value __
LTV (LOAN TO VALUE): Loan Amount / Property Value" data-toggle="popover"> __LTV __
MULTIFAMILY - FANNIE MAE ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 3-30 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - FREDDIE MAC ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - FHA / HUD ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 30-40 ------------------------- Amortization (Years): 30-40 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - CONDUIT / CMBS ------------------------- Min. Amount: $2,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 20-30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - CONVENTIONAL ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 3-30 ------------------------- Amortization (Years): 10-30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - INSURANCE ------------------------- Min. Amount: $5,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 10-30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - USDA
------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 85%
------------------------- Term Length (Years): 3-30 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - CONSTRUCTION ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 75%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
MULTIFAMILY - BRIDGE ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 80%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - CONVENTIONAL ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 3-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - CMBS
------------------------- Min. Amount: $2,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-10 ------------------------- Amortization (Years): 20-30 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - INSURANCE ------------------------- Min. Amount: $5,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - FHA / HUD ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 83.3%
------------------------- Term Length (Years): 30-40 ------------------------- Amortization (Years): 30-40 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - USDA
------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 85%
------------------------- Term Length (Years): 5-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - BRIDGE
------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 75%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
INVESTMENT - CONSTRUCTION ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 75%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
OWNER-OCCUPIED - CONVENTIONAL ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 3-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
OWNER-OCCUPIED - SBA ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 90%
------------------------- Term Length (Years): 3-25 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
OWNER-OCCUPIED - USDA ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 85%
------------------------- Term Length (Years): 5-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ FREE QUOTE
SBA CONSTRUCTION
------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 80%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
CONVENTIONAL CONSTRUCTION ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 70%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
It looks like there aren't any products that match your parameters. Please choose different options so we may choose a loan that is rightfor you.
COMMERCIAL LOAN TYPES*
APARTMENT LOANS
*
INVESTMENT COMMERCIAL LOANS*
OWNER-OCCUPIED COMMERCIAL LOANSAPARTMENT MORTGAGES
Multifamily properties take a variety of forms including traditional apartments, age-restricted communities or senior housing, student housing, affordable housing (Section 8, Section 202, public housing, or other government-sponsored programs), military housing, cooperatives, and manufactured housing / mobile home parks. The types of programs available for stabilized apartment projects include Agency programs such as Fannie Mae (FNMA), Freddie Mac (FHLMC), HUD / FHA, and USDA in addition to the CMBS / Conduit, Conventional, and Insurance loan products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to develop, reposition, or stabilize multifamily buildings. MULTIFAMILY - FANNIE MAE ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 3-30 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - FREDDIE MAC ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - FHA / HUD ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 30-40 ------------------------- Amortization (Years): 30-40 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - CONDUIT / CMBS ------------------------- Min. Amount: $2,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 20-30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - CONVENTIONAL ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 3-30 ------------------------- Amortization (Years): 10-30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - INSURANCE ------------------------- Min. Amount: $5,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 10-30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - USDA
------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 85%
------------------------- Term Length (Years): 3-30 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - CONSTRUCTION ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 75%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
MULTIFAMILY - BRIDGE ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 80%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
Apartment Mortgages
VISIT OUR APARTMENT MORTGAGE DEPARTMENT ...and get in-depth product information.Apartment Mortgages
COMMERCIAL MORTGAGES: INVESTMENT Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality (hotel, motel, resort), and mixed use. The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. INVESTMENT - CONVENTIONAL ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 3-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
INVESTMENT - CMBS
------------------------- Min. Amount: $2,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-10 ------------------------- Amortization (Years): 20-30 -------------------------__ LEARN MORE
__ RATES
INVESTMENT - INSURANCE ------------------------- Min. Amount: $5,000,000 -------------------------Max. LTV: 75%
------------------------- Term Length (Years): 5-30 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
INVESTMENT - FHA / HUD ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 83.3%
------------------------- Term Length (Years): 30-40 ------------------------- Amortization (Years): 30-40 -------------------------__ LEARN MORE
__ RATES
INVESTMENT - USDA
------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 85%
------------------------- Term Length (Years): 5-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
INVESTMENT - BRIDGE
------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 75%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
INVESTMENT - CONSTRUCTION ------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 75%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
Investment Mortgages VISIT OUR LOAN DEPARTMENT ...and get in-depth product information Investment Mortgages COMMERCIAL MORTGAGES: OWNER OCCUPIED Owner-Occupied commercial real estate properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of property in which the owner's business occupies at least 50% of the space. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner'suse.
OWNER-OCCUPIED - CONVENTIONAL ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 80%
------------------------- Term Length (Years): 3-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
OWNER-OCCUPIED - SBA ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 90%
------------------------- Term Length (Years): 3-25 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
OWNER-OCCUPIED - USDA ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 85%
------------------------- Term Length (Years): 5-15 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
SBA CONSTRUCTION
------------------------- Min. Amount: $3,000,000 -------------------------Max. LTV: 80%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
CONVENTIONAL CONSTRUCTION ------------------------- Min. Amount: $1,000,000 -------------------------Max. LTV: 70%
------------------------- Interest Only (Years): 1-3 ------------------------- Amortization (Years): 15-30 -------------------------__ LEARN MORE
__ RATES
Owner Occupied Mortgages VISIT OUR LOAN DEPARTMENT ...and get in-depth product information Owner Occupied MortgagesQUICK QUOTE
Terms
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CLIENT REVIEWS
What do you like best about your experience with CLD? _ Got a call within 48 hours after I filled an online inquiry._ What are some ways we can improve our service? _ All good based on my online inquiry and the call back from . She was great.___________
5 / 5
_
Pardha K. - Day Care Purchase_
What do you like best about your experience with CLD? _Very proactive response ___________
5 / 5
_
Andrew K. - Apartment Construction_
How would you rate our online services?_Excellent _
How has your overall experience been with CLD?_Excellent_
__________
5 / 5
_
Soovojit B. - Purchase_
What do you like best about your experience with CLD? _ Explaining of the process. Helped me understand the industry andbest practices._
__________
5 / 5
_
Kenneth D. - Hotel Flagged Purchase_
How would you rate the responsiveness of your loan officer?_Very Good_
________
4 / 5
_
Davinde D. - Apartment Purchase_
What do you like best about your experience with CLD? _provided useful information and patiently walked me through everyprogram. _
__________
5 / 5
_
John B. - Affordable Housing Construction_
What do you like best about your experience with CLD? _ It was quick to get to the right person through the automated phone system. And I am lucky to reach , who is professional and helpful. I had only one conversation with her so far and I am veryhappy already._
__________
5 / 5
_
Xue G. - Apartment Construction_
What are some ways we can improve our service? _ Don't have much feedback for now but, was most helpful and friendly which is essential in establishing a relationship and trust for us to want to use you in the future. ___
1 / 5
_
Chase L. - Apartment Refinance_
What do you like best about your experience with CLD? _ I enjoy having my calls answered and getting the information needed in a timely manner ___________
5 / 5
_
Clarke F. - Condominium Not selected_
What do you like best about your experience with CLD? _was quick to put me on the right track for my situation and was very knowledgeable about different programs that may be useful.___________
5 / 5
_
Nate P. - Apartment Construction_
How would you rate our online services?_Excellent _
How would you rate the responsiveness of your loan officer?_Excellent_
__________
5 / 5
_
Marco B. - Mixed Use Purchase_
Do you feel that you have been well informed about the status of yourtransaction?
_Yes _
__________
5 / 5
_
Omar F. - Condominium Refinance_
What do you like best about your experience with CLD? _ was very knowledgeable and went out of her way to help. Excellent customer service she was great and went out of her wayto help me!_
__________
5 / 5
_
Crystal R. - Auto-dealership Purchase_
What do you like best about your experience with CLD? _ Talking with a loan officer and getting a new perspective. _Any Other Comments?
_ Would like if you offered loans under $1M. ___________
5 / 5
_
Jeff J. - Apartment Refinance_
How would you rate the responsiveness of your loan officer?_Excellent_
How would you rate our online services?_Excellent _
__________
5 / 5
_
Prabu V. - Mixed Use Refinance_
How did you hear about us?_website _
How would you rate our online services?_Excellent _
__________
5 / 5
_
Tiffany C. - Office Purchase_
What do you like best about your experience with CLD? _ was great. She was willing to spend time with me discussing my needs and explained anything I did not understand in an easy to digest way.___________
5 / 5
_
Stephanie S. - Refinance_
What do you like best about your experience with CLD? _ was the first person at CLD I spoke to, and she is an excellent ambassador for your company. She's very helpful, honest, and personable.___________
5 / 5
_
Chinh T. - Apartment Purchase_
How has your overall experience been with CLD?_Excellent_
__________
5 / 5
_
Joe P. - Restaurant Construction_
What are some ways we can improve our service?_ Very Helpful!_
__________
5 / 5
_
Micha W. - Office Purchase_
How would you rate the responsiveness of your loan officer?_Excellent_
Do you feel that you have been well informed about the status of yourtransaction?
_Yes _
__________
5 / 5
_
Adam M. - Hotel Unflagged Purchase_
Any Other Comments?
_ Look forward to doing business in the future. ___________
5 / 5
_
Robert L. - Retail Anchored Purchase_
Any Other Comments?
_ I appreciate help even though your company doesn’t provide the loan I am looking for... thanks again! _ What are some ways we can improve our service? _ Nothing I can think of! ___________
5 / 5
_
Chris K. - Retail Unanchored Refinance_
What do you like best about your experience with CLD? _ did not have to help me but she did. Good people make a company great.___________
5 / 5
_
Brandon . - Apartment Construction_
What are some ways we can improve our service? _ I was thoroughly satisfied___________
5 / 5
_
Mike R. - Refinance
_
What are some ways we can improve our service? _ Nothing!! was the absolute BEST! She answered ALL of my questions, gave me great insight and emailed me information I could use to be successful in my future investments! We even got disconnected and she called me right back!! That never happens! ___________
5 / 5
_
Lindsay Y. - Purchase_
What do you like best about your experience with CLD? _ 's professionalism, follow through andintegrity_
__________
5 / 5
_
Purna S. - Apartment Refinance_
What do you like best about your experience with CLD? _ Courteous and helpful___________
5 / 5
_
Julio . - Industrial Purchase_
Any Other Comments?
_ Outstanding _
__________
5 / 5
_
Surendra D. - Apartment Purchase_
How would you rate the responsiveness of your loan officer?_Excellent_
__________
5 / 5
_
Eddie W. - Fitness Center Purchase_
What do you like best about your experience with CLD? _How much clarity and immediate help I received. ___________
5 / 5
_
Everett C. - Retail Single Tenant Purchase_
How would you rate our online services?_Excellent _
__________
5 / 5
_
Jaseth R. - Retail Single Tenant Purchase_
Any Other Comments?
_ was very helpful even though our loan requirements were below the minimum threshold. Thank you ! ___________
5 / 5
_
William G. - Mixed Use Purchase_
What do you like best about your experience with CLD?_ customer service_
__________
5 / 5
_
Jessica A. - Purchase_
What do you like best about your experience with CLD?_ _
_ did a great job. She was really good to workwith. _
__________
5 / 5
_
Jason B. - Manufactured Housing Purchase_
How would you rate the responsiveness of your loan officer?_Excellent_
__________
5 / 5
_
Brian O. - Retail Single Tenant Refinance_
What do you like best about your experience with CLD?_ More men like _
__________
5 / 5
_
Richard S. - Apartment Construction_
What do you like best about your experience with CLD?_ _
_quick response._
________
4 / 5
_
Roderick R. - Condominium Purchase_
What are some ways we can improve our service? _I received outstanding customer service from today. In addition to answering all of my questions, she broadened the scope by sharing additional information that has been instrumental in my evaluation process. I also really enjoyed talking with - she has that rare ability to dedicate her undivided attention as she did with me today. I got off the phone thinking that she is a warrior in this arena and that she would be the one I would want to work with on my next venture. ___________
5 / 5
_
Joy N. - Apartment Not selected_
What do you like best about your experience with CLD? _very professional and knowledgeable___________
5 / 5
_
Donald D. - Retail Unanchored Purchase_
How has your overall experience been with CLD?_Excellent_
__________
5 / 5
_
Randy M. - Apartment Purchase_
What do you like best about your experience with CLD?_ _
_Prompt calls. Good Info. ___________
5 / 5
_
Joe S. - Condominium Purchase_
What are some ways we can improve our service? _ ease of funding process_________
4 / 5
_
Robert C. - Apartment Purchase_
What do you like best about your experience with CLD? _VERY PROFESSIONAL, PATIENCE, VERY KNOWLEDGEABLE AND PUT YOU AT EASE.___________
5 / 5
_
Farag S. - Assisted Refinance_
What do you like best about your experience with CLD? _Thorough, and answered all of my questions with great detail. ___________
5 / 5
_
Taj D. - Apartment Purchase_
What do you like best about your experience with CLD? _I am extremely grateful to for putting me first - before her own interests. She was incredibly hard-working, responsive, and very effectively managed my loan situation. ___________
5 / 5
_
Josh C. - Apartment Purchase_
How would you rate our online services?_Excellent _
__________
5 / 5
_
Jessica C. - Health Care Facility Purchase_
Any Other Comments?
_ _
_Ms. is wealth of information and knowlege very impressed not only did she explaine to me what i was in need of but within an hour later i have three banks calling telling they can help me with my sitution or need. Awesome. ___________
5 / 5
_
Harold S. - Apartment Refinance_
What do you like best about your experience with CLD?_ _
_ was great and she answered all my questions and provided me with very useful information___________
5 / 5
_
Alex . - Apartment Construction_
What do you like best about your experience with CLD? _My point of contact was sincere and upfront about the financing options and seeing where out project fell ___________
5 / 5
_
Mariah P. - Apartment Construction_
What are some ways we can improve our service?_ _
_I can think of none. The assistance provided by Ms Eiecoff both in substance and manner presented was exceptional.___________
5 / 5
_
James S. - Apartment Refinance_
What do you like best about your experience with CLD? _After 32 years in product development for GE Medical, Siemens Medical and Kimberly-Clark, I wanted to have a business that my wife and I could run together. At a local franchise show we looked at many opportunities and felt that Ace Hardware had the values and helpfulness that resonated with us. Ace also offered various incentives and training to get new investors started successfully. CLD was most helpful from answering my initial questions to the follow up... We would not have been able to start this business without CLD.___________
5 / 5
_
Herb V. - Retail Anchored Purchasing_
What do you like best about your experience with CLD? _ felt confident through the process that things were under control, that my interests were being protected... was always a pleasure to talk to and work with all the way through a successful closing. Very smooth and professional... promptly addressed any questions that came up. Feel I got a good loan with a good lender.___________
5 / 5
_
Mark L. - Student Refinance_
What do you like best about your experience with CLD? _I had a tremendously good experience with CLD and especially with my loan specialist... and her assistant. is indeed a high professional in this field and was able to line a loan program which is ideal for our very unique property. Her assistant... has been very helpful in organizing... documents from me - a very able and a very pleasant personality indeed.___________
5 / 5
_
Bill S. - Apartment Refinance_
How would you rate our online services?_Excellent _
__________
5 / 5
_
Jeremy C. - Apartment Purchase_
What do you like best about your experience with CLD?_ _
_Responded quickly_
__________
5 / 5
_
Patricia E. - Hotel Unflagged Purchase_
What do you like best about your experience with CLD?_ _
_The service provided was excellent. She was informative and patient. ___________
5 / 5
_
Claudia F. - Hotel Unflagged Purchase_
What do you like best about your experience with CLD? _Very friendly and helpful___________
5 / 5
_
Linda L. - Mixed Use Refinance_
How would you rate the responsiveness of your loan officer?_Excellent_
__________
5 / 5
_
Patrick B. - Mixed Use Purchase_
Any Other Comments?
_ _
_I worked with her help and experience was 2 to none- Great customer service! ___________
5 / 5
_
Paul H. - Apartment Refinance_
What do you like best about your experience with CLD?_ _
_Fast response,share knowledge, and really the nicest person I talkedto_
__________
5 / 5
_
Dinesh T. - Gas Station Purchase_
How would you rate the responsiveness of your loan officer?_Excellent_
__________
5 / 5
_
Benny J. - Apartment Refinance_
How would you rate our online services?_Excellent _
__________
5 / 5
_
Paul M. - Mixed Use Construction_
What do you like best about your experience with CLD?_ _
_Very friendly, professional, and informative ___________
5 / 5
_
Rosmond A. - Apartment Purchase_
What do you like best about your experience with CLD?_ _
_The 2 people that I spoke with were very generous with their time, very knowledgable, and did not push anything, just presented alternatives for what I was looking for along with the pluses and minuses that accompany different loan programs. I wouldn't changeanything. _
__________
5 / 5
_
Kent W. - Apartment Refinance_
What do you like best about your experience with CLD?_ _
_ absolutely went beyond the call of duty for CLD with regard to my request. ___________
5 / 5
_
David O. - Apartment Refinance_
How would you rate our online services?_Excellent _
__________
5 / 5
_
NJ R. - Student Purchase_
What do you like best about your experience with CLD?_ _
_Working with . Everything we agreed to becamereality._
__________
5 / 5
_
Robert K. - Office Refinance_
How would you rate the responsiveness of your loan officer?_Excellent_
__________
5 / 5
_
Abdulah H. - Industrial Purchase_
How has your overall experience been with CLD?_Excellent_
__________
5 / 5
_
Cavan C. - Retail Anchored Purchase_
What do you like best about your experience with CLD?_ _
_Everyone - to a person - was the epitome of professionalism andcompetence._
__________
5 / 5
_
Stephen W. - Apartment Refinance_
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GET THE #1 APP FOR COMMERCIAL REAL ESTATE INVESTORS FREE! COMMERCIAL & APARTMENT MORTGAGES NATIONWIDE Commercial Loan Direct (“CLD”), a business division of CLD Financial, is a national commercial real estate correspondent and mortgage banking firm offering over 200 programs. In order to bring our clients a wide variety of financial products that can be specifically tailored to their needs, CLD partners with various financial institutions and government-sponsored agency lending platforms including: Banks/Institutional Lenders, Life companies, Hedge Funds, Real Estate Investment Trusts (REITs), Private Lenders, Fannie Mae (FNMA), Freddie Mac (FHLMC), Small Business Administration (SBA), United States Department of Agriculture (USDA), and the Federal Housing Authority division of the Department of Housing and Urban Development (FHA / HUD). COMMERCIAL LENDING NEWS 5 Steps To Get A Commercial Loan - How to Get a Commercial Loan How to Start Investing in Commercial Real Estate 5 Steps to Invest in an Opportunity Zone 5 Steps to Invest in an Opportunity Zone What is a Treasury Swap Rate? What is a Treasury Rate (Yield)? What is a Treasury Rate (Yield)? Interest Rate Swaps & How to Use Them Fannie Mae Apartment Loans Fannie Mae Apartment LoansFHA Apartment Loans
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ABOUT US
2020 Commercial Loan Direct (“CLD”), a business division of CLD Financial, is a national commercial real estate correspondent and mortgage banking firm offering over 200 programs. In order to bring our clients a wide variety of financial products that can be specifically tailored to their needs, CLD partners with various financial institutions and government-sponsored agency lendingplatforms.
TYPES OF COMMERCIAL LOANS To find a commercial loan suitable for your needs, use our loan findertool
.
We provide loans for the following properties (but not limited to):Multifamily
,
Office
,
Retail
,
Industrial
,
Hospitals/Healthcare,
Self-Storage
,
Hotel
,
Mixed Use
,
and Churches
.
We provide financing in all 50 states. Please note we are only licenced to work with properties that are zoned commercial.Details
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