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Residential and Commercial Hard Money-Massachusetts Only. - 11/30/10 01:05 PM
Residential and Commercial Hard Money-Massachusetts Only. We have established a working relationship with a group that can fund residential and commercial hard money in Massachusetts. They are interested in small balance commercial and fix and flips on residential. The property types range form owner occupied, investor, and commercial. Thats right they can do residential owner occupied. Typically we are looking for loans with 50% LTV and below 500K. That will include points and interest reserves. May be stretched with a solid deal. Interest rates will range from 12-14%, with 4-5 points, and can amortized over 30 years. There is no upfront (1 comments)
What is a Yield Maintenance Pre-Payment Penalty - 11/27/10 03:28 PM
Yield Maintenance is a prepayment penalty that, in the event the borrower pays off a loan before maturity, allows the lender to attain the same yield as if the borrower had made all scheduled mortgage payments until maturity. Yield maintenance premiums are designed to make lenders indifferent to an early prepayment by a borrower. On the flip side, it can mean that if a borrower currently has a 9.5% rate on its mortgage with 5 or 6 years to go until maturity, at this time the penalty could well be huge. For example, let’s assume a 15-year interest-only $1,000,000 mortgage at 7%. (0 comments)
When I am reviewing a loan file one of the first things I look at and look for is the executive summary or loan summary. A well written executive summary shows the quality of the borrower and the value of the project. The goal of well written loan summary is to give the underwriter enough information to understand the commercial loan and to determine if the loan will fit within the lender's lending guidelines. Below are items that should be included in a well written and complete executive summary.
Salient Facts (6 comments)
$630,000 SDIRA Financing - 11/11/10 12:01 PM
Where: Washington Type: We are continuing to close these types of loans daily with loan sizes now averaging over $100K. We handle everything to roll your IRA over into a totally controlled LLC or trust that allows YOU to invest your money without tax ramifications into your own business or Real Estate
Jumbo Mortgage Rates - 11/04/10 10:24 AM
We have jumbo mortgage rates at 3.875% on a 7/1 arm.Loan amountsup to 850K is 75% LTVto 1.5 Mil is 70% LTVto 2 Mill is 65% LTVto 2.5 Mill and above is 55% LTV (0 comments)
Medical Professional Loans - 11/03/10 09:15 AM
Industries Medical doctors, pharmacies, dentists, veterinarians Loan Purpose Purchase office condo; finish construction, machinery and equipment, fixtures, furniture, inventory and other business assets. Working capital Loan amount SBA 7(a) $250,000 to $5,000,000 Time to close Closing within 45-60 days of signed commitment letter Loan to value Up to 130% Interest rate Competitive variable rat based on a spread over the Wall Street Journal prime rate Term Up to 25 years based on the loan purpose. No balloons or calls –fully amortizing over the life of the loan Prepayment penalty Prepayment penalties will apply Fees No loan origination fee on sba7(a) one (1 comments)
CLOSED!-$1,142,000 Refinance-80% LTV! - 11/02/10 09:36 AM
Where? Portland, Ore Type: The local bank was calling the note due and other lenders did not want to give the business owner the value of the 3 extra unused acres behind the building. We used his existing appraisal and got him done to 80% Loan To Value! When faced with a bank telling you no, before you give up, give us a call
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.