Commercial Mortgage Refinance

828-689-4683 or 877-655-5625

Unfortunately for many commercial real estate loan prospects, there seem to be far more reasons for conventional commercial lenders to turn them down than to approve them. That’s sad but just the way our national lending industry has gone since the crash of 2008.

That’s the bad news. The good news is we have numerous lenders each with their unique commercial mortgage refinance (and purchase) loan programs that can fill the gap until you can qualify for more long term commercial real estate financing.

Below are just some of the commercial mortgage refinance (and purchase) loan programs we can help you with.

Commercial refinance to avoid a foreclosure. This is for those where the bank is calling the loan, often for no good reason. Unfortunately, we see this all the time.

Commercial loan where you have a balloon payment due and the bank isn’t interested in allowing you to have a new loan.

Commercial loan where the property has less than 51% owner occupancy. This is an SBA loan requirement and why many borrowers get turned down by the SBA.

Loan on a commercial property where you have been in business less than 2 years. This “rule” by virtually every conventional commercial real estate lender is particularly difficult for commercial real estate buyers.

Commercial construction loans. Most commercial lenders avoid construction loans like the plague. We have lenders who can work with you on commercial construction financing.

Apartment rehabilitation financing. We have programs specifically designed for the investor wanting to buy and rehab multi-family properties.

Mobile home park loans. We can help you either refinance your mobile home park loan, perhaps even one secured through seller financing or financing to buy a mobile home park.

Commercial financing loans where the down payment doesn’t have sufficient seasoning, a common conventional loan turndown reason.

Commercial loans with poor or even bad credit. Many lenders we represent aren’t credit score driven but are truly interested in the story behind any low credit scores.

No minimum debt service requirement loans. Our lenders don’t have hard debt service requirements but look at the big picture.

Commercial loans without tax returns. We are interested in the P&L of the property and often don’t need tax returns.

Low occupancy commercial real estate loans. As with debt service, we don’t have firm occupancy requirements for many of our loans.

Commercial real estate loans with a previous bankruptcy. We will simply want to hear the story behind the bankruptcy.

Commercial loan programs where the borrower has a previous foreclosure.

Commercial Mortgage Refinance Specialists, no credit score minimum. Commercial refinance when balloon payment due.

Banks playing ‘hard to get’? Commercial loan balloon due? You’ve come to the right place for a commercial mortgage refinance to avoid foreclosure.

Refi Commercial Mortgage

U.S. Funding Solutions, Inc. represents top bank and non-bank lenders to help you with your business real estate based loan needs. Call today or send an e-mail to learn more about these great loans.

“I have had the pleasure to work with Ron Stone on a rather complicated transaction. Throughout the process, Ron proved to be exceptionally competent, understanding of the issues on hand, and very pro-active in finding solutions for said issues. I can only express my deep gratitude to him, and I consider anybody who has the chance to work with him, to be the fortunate one because it will be a successful undertaking”. H. Jim Scherber, Owner & Broker, HPS Real Estate Investments, Palm Springs, California.

1-877-655-5625

Ask for Ron Stone

or e-mail us at Refi Help

We have teamed up with a number of lenders to drastically increase the types of business real estate loans programs we can offer. With the addition of these programs, our offerrings are too broad and ever changing to even attempt to place on this web page. Just to give you a hint, our new programs include: Acquisitions, Rate and Term, Construction Loans, Bridge Financing, Equity/Joint Venture and Hard Money. We also have Non-Recourse programs and some strong programs apartments. Property types include: Apartments, Office, Retail, Hopsitality, Industrial, Mixed Use and Healthcare.

The key to get the best program for your business is to find an expert with access to a significant number of lenders. That way you end up with the very best business real estate loan for your situation, instead of submitting your package to numerous lenders in the maze of “lenders” out there, most if not all of which aren’t a good fit for you causing you time, money and frustrations and at best ending up with a structure that is not the best answer for your needs much less the best rate. That’s where we come in. We are experts at finding you the best loan available. Let us prove it. Give us a call today and Ask for Ron Stone.

1-877-655-5625

Up to $15,000,000

Down Payments As Low as 25%

Program That Includes Inventory and Equipment

Call or e-mail us with your scenario. You can contact us 7 days a week.

1-877-655-5625

Ask for Ron Stone

Many people getting Hard Money Financing Could Qualify For our Standard SBA Programs (Fast Closing)

Call or e-mail us with your scenario. You can contact us 7 days a week.

U.S. Commercial Mortgage Universe Shrinks Again to $3.31 Trillion: The size of this mortgage market in the United States continued shrinking in the first quarter, to $3.31 trillion from $3.34 trillion at the end of last year, according to the Mortgage Bankers Association’s analysis of Federal Reserve Board flow-of-funds data. The universe of these loans has now shrunk for five consecutive quarters and is now roughly the same size it was at the end of 2007. Every major investor group, except the housing-finance agencies, private pensions, savings institutions and government entities, saw a reduction in the size of their mtge. portfolios. Banking organizations saw an $18.9 billion, or 1.3 percent reduction in the size of their holdings, to $1.49 trillion. They are still the biggest holders of loans, accounting for 44.9 % of the entire universe, down from 45.1 percent at the end of the fourth quarter. CMBS and other securitization vehicles saw their portfolio of mortgages shrink by 1.6 percent over the last quarter to $679 billion. That accounts for 20.5 % of the universe, down from 20.6 percent in the fourth quarter. Life-insurance companies, which lately have become hungry to write loans but have faced tepid demand, saw their holdings fall by $4.4 billion, or 1.4 percent, to $301.9 billion. They now hold 9.1 % of the total universe, down slightly from 9.2 % at the end of last year. The housing-finance agencies, meanwhile, saw their portfolios grow by $5.8 billion, or 1.9 percent, to $309 billion. That represents 9.3 percent of the business mortgages universe, up from 9.1 percent in the fourth quarter. If you look at only multifamily loans, the agencies – Fannie Mae, Freddie Mac and agency-backed mortgages pools – hold 36.3 percent of the $852.1 billion universe. That universe is up from $849 billion in the fourth quarter – testament that the agencies continue to actively write loans. “Low levels of business real estate loans borrowing mean that property investors are paying off and paying down more in mortgages than they are taking out,” explained Jamie Woodwell, vice president of commercial real estate research at the MBA.