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Hard Money Loan for Commercial Real Estate

Here is a market update on hard money loans for commercial real estate. The lenders are looking for borrowers with experience and good equity in the real estate they are looking to finance. It is important for the lender to understand how you will pay off their loan. Typically the hard money lenders are only loaning money for 6-12 months. The most common payoff for the more...

Commercial Loan: Stock Collateral

I was asked today if a commercial loan could be secured with corporate stock. Lenders often will use securities of various kinds as collateral for their loans. Borrowers should be prepared with the following. Is the stock publicly traded? Which exchange? Are there any restrictions on the stock? Are the securities professionally handled by a third party? Stock more...

Commercial Loan Interest Rates

Commercial loan interest rates are currently very low; however, these rates are tied to market indexes which ares subject to change at any time. Many borrowers have asked me if rates will continue to stay low or increase after the election. The truth is, it all depends on the market. There is a fair amount of uncertainty in our economy which naturally causes volatile more...

Commercial Loan Expert’s

There are many borrowers out there that think they will be better off going directly to the bank lenders for their loans. What they don't realize is that bank's "sell" commercial loans. Banks are for profit entities and thereby are more profitable if they can charge you more for your loan. The loan officer is there to close the deal and gain a small bonus on your loan. more...

Non-Recourse Commercial Loans

A non-recourse commercial loan is one in which personal guarantees from the owners of the project are not required. The project itself must be strong enough to support such a request. Typically, lenders are looking for a stable income stream from the property as well as a good collateral position in the asset. I typically see these types of loans on income producing real more...

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