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Last Update: January 9, 2023 at 10:31 AM
Commercial Programs *
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We offer commercial real estate loans with low interest rates based on loan-to-value and property type. Now's the time to call us while rates are down! Call us at (310)435-0595
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| Program | Key | Start Rate | Margin | Index | Ceiling | Max LTV | Amort / Term | Min DCR | Pre-Pay | Loan Fee | 3-Year Fixed | FC1 | | N/A | N/A | N/A | 85% | 20/3 | 1.25:1 | 3-2-1% | 310.321.6750 ext 102 | Guidelines - Owner-User financing up to 85% loan-to-value
- Idustrial Buildings and Warehouses: Max amortization 20 years with 10 year term or 15/15 or 25/7. Max LTVs: 85% for 15/15; 85% or less for 20/10 or 75% or less for 25/7
- Special Purpose: 15/15 max 75% LTV; 20/10 max 75%; 25/7 max 65% LTV
- Term & Amortization: Rates will vary based on selected amortization and term. The shorter the fixed term the lower the rate: 3/20,3/25, 5/30, 5/25, 7/20,7/25,10/20, 15/15
- Crematoriums (stand alone): Max LTV 75% or less
- Prepayment Fees: Standard 3,2,1% to 3,3,2,2,1% based on loan program prepayment fees offered, with higher average balances, case-by-case.
- Lender admin fees: Minimal lender admin fees, typically $3,500 to $5,000 upfront deposit and 25 bps of loan amount admin fee excluding 3rd party reports required.
- Loan Origination Points: 1% or more depending on loan amount.
- Requires transfer of business operating account to lender as a condition of the loan.
| | | Program | Key | Start Rate | Margin | Index | Ceiling | Max LTV | Amort / Term | Min DCR | Pre-Pay | Loan Fee | FCB | A48 | | N/A | N/A | N/A | 85% | 25/5 | 1.25:1 | None | Call 310 435 0595 | Guidelines - Nationwide
- Up to 75% LTV in preferred lending areas - Los Angeles, Orange and San Diego
- Interest Only up to 5 years
- 1.15:1 Multifamily
- 1.25:1 Commerical
- No Prepayment Fees
- Non-Recourse Available
- Minimum Loan Amount $1,000,000; max $15,000,000
- 30 year amortization with up to a 15 year term in 5 year or 7 year increments
- Floor equals Start Rate
- Ceiling equals 5% over Start Rate
- Rate reset index: CMT
| | | Program | Key | Start Rate | Margin | Index | Ceiling | Max LTV | Amort / Term | Min DCR | Pre-Pay | Loan Fee | MCGFCB | FC66 | | N/A | N/A | N/A | 85% | 25/7 | 1.25:1 | 3-3-2-2-1% | 310.321.6750 ext 102 | Guidelines - Owner-User financing up to 85% loan-to-value
- Idustrial Buildings and Warehouses: Max amortization 20 years with 10 year term or 15/15 or 25/7. Max LTVs: 85% for 15/15; 85% or less for 20/10 or 75% or less for 25/7
- Special Purpose: 15/15 max 75% LTV; 20/10 max 75%; 25/7 max 65% LTV
- Term & Amortization: Rates will vary based on selected amortization and term. The shorter the fixed term the lower the rate: 3/20,3/25, 5/30, 5/25, 7/20,7/25,10/20, 15/15
- Crematoriums (stand alone): Max LTV 75% or less
- Prepayment Fees: Standard 3,2,1% to 3,3,2,2,1% based on loan program prepayment fees offered, with higher average balances, case-by-case.
- Lender admin fees: Minimal lender admin fees, typically $3,500 to $5,000 upfront deposit and 25 bps of loan amount admin fee excluding 3rd party reports required.
- Loan Origination Points: 1% or more depending on loan amount.
- Requires transfer of business operating account to lender as a condition of the loan.
| | | Program | Key | Start Rate | Margin | Index | Ceiling | Max LTV | Amort / Term | Min DCR | Pre-Pay | Loan Fee | 10MCPFCB | FC67 | | N/A | N/A | N/A | 85% | 20/10 | 1.25:1 | 3-3-2-2-1% | 310.321.6750 ext 102 | Guidelines - Owner-User financing up to 85% loan-to-value
- Idustrial Buildings and Warehouses: Max amortization 20 years with 10 year term or 15/15 or 25/7. Max LTVs: 85% for 15/15; 85% or less for 20/10 or 75% or less for 25/7
- Special Purpose: 15/15 max 75% LTV; 20/10 max 75%; 25/7 max 65% LTV
- Term & Amortization: Rates will vary based on selected amortization and term. The shorter the fixed term the lower the rate: 3/20,3/25, 5/30, 5/25, 7/20,7/25,10/20, 15/15
- Crematoriums (stand alone): Max LTV 75% or less
- Prepayment Fees: Standard 3,2,1% to 3,3,2,2,1% based on loan program prepayment fees offered, with higher average balances, case-by-case.
- Lender admin fees: Minimal lender admin fees, typically $3,500 to $5,000 upfront deposit and 25 bps of loan amount admin fee excluding 3rd party reports required.
- Loan Origination Points: 1% or more depending on loan amount.
- Requires transfer of business operating account to lender as a condition of the loan.
| 10MCPFCB | FC68 | | N/A | N/A | N/A | 85% | 15/15 | 1.25:1 | 3-3-2-2-1% | 310.321.6750 ext 102 | Guidelines - Owner-User financing up to 85% loan-to-value
- Idustrial Buildings and Warehouses: Max amortization 20 years with 10 year term or 15/15 or 25/7. Max LTVs: 85% for 15/15; 85% or less for 20/10 or 75% or less for 25/7
- Special Purpose: 15/15 max 75% LTV; 20/10 max 75%; 25/7 max 65% LTV
- Term & Amortization: Rates will vary based on selected amortization and term. The shorter the fixed term the lower the rate: 3/20,3/25, 5/30, 5/25, 7/20,7/25,10/20, 15/15
- Crematoriums (stand alone): Max LTV 75% or less
- Prepayment Fees: Standard 3,2,1% to 3,3,2,2,1% based on loan program prepayment fees offered, with higher average balances, case-by-case.
- Lender admin fees: Minimal lender admin fees, typically $3,500 to $5,000 upfront deposit and 25 bps of loan amount admin fee excluding 3rd party reports required.
- Loan Origination Points: 1% or more depending on loan amount.
- Requires transfer of business operating account to lender as a condition of the loan.
| | | Program | Key | Start Rate | Margin | Index | Ceiling | Max LTV | Amort / Term | Min DCR | Pre-Pay | Loan Fee | 15MCGFCB | CBB69 | | N/A | N/A | N/A | 85% | 15/15 | 1.25:1 | 3-3-2-2-1% | 310.321.6750 ext 102 | Guidelines - Applicants must have strong net worth, liquidity and credit scores.
- Tenants must have long term leases.
- Subject property must be well maintained, inn large MSA area in CA only.
- Max. loan to vaute 50%
- Loan amounts from $1 million to $5 million
- CA properties only
- Mandatory operating account for auto mortgage payments
- Preferred Industrial & Multi-family (5-units and up)
- Office & Retail on an exception basis
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* Rates, fees and terms are subject to change without notice. |
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