commercial mortgage, commercial mortgages, commercial refinance, commercial loans, commercial loan rates, commercial lenders, SBA loans

American Mortgage Finance

Commercial Mortgage Loans

 
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.....American Mortgage Finance:
America's Source for Commercial Mortgages, Refinances, Equity Loans

 
 
Call Toll Free:  1-866-503-7334

American Mortgage Finance provides fixed and floating rate commercial mortgage loan programs to meet large and small balance needs. Multifamily loans have historically constituted the largest component of our business. Transactions involve all types of multifamily properties, from those with only a few units to large multi-building complexes.

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Commercial Mortgage Loans

Commercial mortgage loans differ from residential mortgages primarily because they're used to finance commercial property. The property may technically be a residence, but if it's used as a commercial venture-for example, a large apartment building rented out for its income potential-a commercial real estate loan is generally required. The volume of commercial loans grew 16 percent in 2005 to $1.3 trillion, as lenders provided business loans for various ventures, developments, investments, and construction projects.

Tips for successful business loans

When lenders qualify customers for a commercial mortgage, the credit history of the business and its directors is taken into consideration, and the risk of the commercial venture itself is carefully evaluated. The better you can present a successful business plan, the more likely you will be convincing lenders to approve your loan on favorable terms. For instance, if an office building has good tenants and a positive, profitable track record, lenders will be more inclined to lend money to help an investor buy it than they would for a building with vacancies or negative cash flow.

Commercial loans carry either fixed or adjustable interest rates, and many charge penalties for prepayment. Most commercial loans are structured with a balloon payment that comes due after five, 10, or 15 years, although some have fixed 30-year schedules. And commercial real estate loans are sometimes created as bridge loans, to help borrowers finance projects until they get off the ground. For instance, a developer might use a two- or three- year bridge loan to borrow money to build a shopping center, and then refinance to a longer loan once the shops are occupied and tenants are providing a steady cash flow of rents to the developer.

Commercial second mortgages

Just as homeowners often use a home equity loan to raise cash for household purchases, improvements, or expenses, commercial borrowers also use second mortgages, equity loans, or refinancing strategies to raise capital for such things as equipment, inventory, or business expansion.

Because commercial mortgages are tailored to meet the needs of the business community, they're the best option for those who need financing for commercial real estate ventures.

American Mortgage Finance offers borrowers the widest variety of products and is able to consummate transactions with maximum efficiency for all commercial property types nationwide, and includes the following lines of business:

  • Affordable Housing

  • Student Housing

  • Conduit

  • Insurance

  • Large and Small Balance

  • Forward Commitment

  • Renovation/Repositioning

  • Bridge Loans

  • Construction Loans

  • Mezzanine Loans

  • Single Asset & Portfolio

  • Credit Facility

Property Types Include:

Multifamily, Mobile Home Communities, Mixed Use, Retail, Office, Office Warehouse, Light Industrial, Self-Storage, Hotel/Motel.

We appreciate that people and relationships drive the commercial real estate investment business.  In recognition of this, we recruit some of the most effective and reliable professionals in the commercial mortgage loan industry. American Mortgage Finance offers sensible advice and practical transaction management that result in repeat clients.

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American Mortgage Finance, Inc.

Toll Free:  1-866-503-REFI

email: info@americanmortgagefinance.net

 

 
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Equal Housing Lender

USDA Rural Development Mortgages

 

*American Mortgage Finance, Inc. may ask you to provide information only for reference. We do not sell private information to outsiders for any other activity.

 

NMLS ID# 18811

FHA Lender ID# 29356 0000-1

VA Lender ID: 089902-00-0

Licensed by the Pennsylvania Dept. of Banking as 21850

 

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  commercial mortgage, commercial mortgages, commercial refinance, commercial loans, commercial loan rates, commercial lenders, SBA loans