Best Mortgage Lender, New Home Mortgage, Police and Fire Federal Credit Union, best mortgage lender.#Best


Home purchase mortgage

Our knowledgeable Mortgage Advisors can help you select the best mortgage option to fit your needs.

Home Purchase Mortgage

PFFCU, a trusted mortgage lender, works exclusively for YOU! There are no high-pressure sales tactics, and the approval process is fast and easy.

Why We Are The Best Mortgage Lender:

  • You will enjoy the highest level of Service, Value, Convenience, and Trust.
  • We survey everyone who gets a home purchase mortgage loan. 90% of surveyed members rated PFFCU as Exceptional or Superior in the overall Real Estate experience.
  • You will save money with PFFCU because there is no application fee and our closing costs are among the lowest in Philadelphia, Bucks County and Montgomery County, PA and in Mt. Laurel, Cherry Hill and Washington Township, NJ.
  • We offer a pre-approved Mortgage Loan Commitment that you can take to your realtor to demonstrate that you are a serious buyer. Our pre-approval will make your loan processing quicker so you can close your loan faster.
  • Our experienced Mortgage Advisors provide the best personal guidance to help you get the best loan that is right for you.

If you prefer, you can call 800-486-9592 and ask to speak to a Mortgage Advisor to apply by phone or to schedule a personal appointment.

PFFCU has been a trusted mortgage lender since 1938.

Best mortgage lender

Fixed-Rate Mortgages

Available with terms of 10, 15, 20, and 30 years, a fixed rate home purchase mortgage is best for you if you want a consistent monthly payment or you plan to stay in your home for a long period of time.

Adjustable-Rate Mortgages

ARMs offer lower initial rates than fixed-rate home purchase mortgages, resulting in lower monthly payments that are especially attractive to first-time home buyers and home owners looking to buy a larger home. PFFCU offers adjustable-rate mortgages with 30-year terms where the initial APR and payment are fixed for the first 5 or 7 years, then convert to an adjustable rate, which may change annually.

No PMI Mortgage

If you have less than a 20% down payment, consider this option as a cost-effective way to avoid Private Mortgage Insurance. You may enjoy lower monthly payments, as well as a tax deduction for the interest paid (check with your tax advisor for more details).

First Time Home Buyer Mortgage

If you are a new home buyer who can t afford a large down payment but would otherwise qualify for a mortgage, our First Time Home Buyer Mortgage may be ideal for you. With as little as a 3% down payment, you can buy your first home.

If you already have an Agreement of Sale:

Trust your PFFCU mortgage lending team to handle your new home purchase with a fast and efficient process to give you peace of mind through closing.

If you do not yet have an Agreement of Sale:
  • Request your valuable PFFCU Mortgage Pre-Approval before you visit a real estate agent, begin shopping for a home or speak with any other financial institution or lender.
  • Our expert Mortgage Advisors will guide you through the process and help you choose the mortgage that best meets your needs.
  • A mortgage pre-approval qualifies you for a $250 discount coupon, that can be redeemed when you close your mortgage with PFFCU.

After you fill out our online worksheet, we will call you within one business day. We can provide you with your pre-approval within as little as three hours after we contact you, so you can start looking for your dream home sooner.

PFFCU New Home Purchase Personalized Service

For Personalized Service, apply by phone or schedule a personal appointment for your new home purchase mortgage six-days-a-week by contacting our Call Center at 800-486-9592 and one of our knowledgeable Mortgage Advisors can guide you through your new home purchase mortgage application process.

Or, visit any of our conveniently located branches in Philadelphia, Bucks County, Montgomery County, PA and NJ for your home purchase mortgage needs. Members in Washington Township, NJ area can stop by our branch on Route 42. Members in the Mt. Laurel, Cherry Hill area can stop by our branch on Lenola Road across from the Moorestown Mall.

Best mortgage lender

Already Have a Mortgage Elsewhere?

Refinance with the best mortgage lender—PFFCU and save. Find out more about mortgage refinance in Bucks County PA, Montgomery County PA, Philadelphia PA, and mortgage refinance in Mt. Laurel, Cherry Hill and Washington Township NJ.

Call Us with Questions

If you have questions or want to apply for a loan over the phone please call us at 800-486-9592.

Best mortgage lenderBest mortgage lenderBest mortgage lender

ABA Routing #236084285

Police and Fire Federal Credit Union

901 Arch Street, Philadelphia, PA 19107

©2017 Police and Fire Federal Credit Union.


Mortgages Unlimited, mortgage lender.#Mortgage #lender


MN, WI, and SD Home Mortgage Loans

As a Direct Mortgage Lender, MN, WI, and SD home loans are all we do. We beat the banks, the big internet lenders, and the Realtor’s in-house lender everyday with our great interest rates on home loans, and personalized service from LOCAL professional Licensed Loan Officers. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.

Mortgage lender

Mortgage lender

Mortgage lender

2015 – Top 100 Loan Officer in the Nation (Orignation News )

2014 – Minnesota Loan Officer of the Year (Minnesota Mortgage Association)

2012 – Best Mortgage Professionals in the Twin Cities based on Customer Satisfaction (Minneapolis St Paul Magazine)

2011 – Top 40 Most Influential Mortgage Professionals to Watch (National Mortgage Professional Magazine)

2010 – Top 150 Loan Officer in the Nation (Origination News)

We keep it simple for you! Slick advertising is not our game. We are a top MN lender, and it’s not just because of our LOW mortgage rates. Its because we offer the whole package! We provides fully automated processing, with all of the latest instant approval systems. We even give you instant Email notification for each step of your loan!

Purchase : Using your Realtor’s in-house lender, or the big banks

Refinance : Assuming the company you currently make payments to is your best option

Dakota County First Time Homebuyer City Living Program Zero down Payment VA Loans and USDA Rural Development Loans HARP Lender in MN, WI, and SD (Home Affordable Refinance Program

Mortgages Unlimited CLIENT TESTIMONIALS Mortgage lender

“Thanks for helping us get this done, I really didn’t think I could refinance. I called on a whim because you had placed my original mortgage on this house. Now we will be enjoying a lower house payment for years to come. Best wishes to you.”

Angie W. St Paul, MN

-Tim M. Minneapolis, MN

Mortgage Loan Programs

Conducting Your Minnesota, Wisconsin, or South Dakota Mortgage Rate and Lender Search

Mortgage lender Shopping for a home loan has never been this easy. To obtain the most accurate and up-to-date mortgage rate quote for your loan scenario, call us at 651-552-3681 . Mortgage lender If you are simply shopping for a mortgage , you can fill-out our easy Mortgage Rate Quote Form and someone will usually contact you within minutes with that information.

Y ou can also initiate the application process by completing our Secure Online Mortgage Application. We advertises our services in many places and we are committed to honoring the displayed rates and mortgage closing costs as defined by the various publishers’ guidelines.

You can always count on Mortgages Unlimited for great rates and low mortgage closing costs. Please do not hesitate to contact us with any questions. We are always here to address your concerns and offer you up-to-the minute mortgage quotes and home loan advice.

Smart people know Mortgages Unlimited is your St Paul, Minneapolis best lender choice for your home loan needs .

Our staff of Loan Officers are thankful for the opportunity to provide you with comprehensive mortgage rate quotes and mortgage closing cost information. Your Loan Officer will be happy to provide you with a Good Faith Estimate and Truth-In-Lending Statement so that you can better compare Mortgages Unlimited to other Mortgage providers. We wish you the best during your loan process, and remind you that a low rate quote is only part of your overall satisfaction!

I know you have lender options, and I understand the importance of securing the very best interest rate and lowest closing costs for you and your family. I do not take that obligation lightly and will work hard to prove the value in having a long term relationship with myself and my team.

Joe Metzler and his team are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don’t understand the life changing differences between different loan programs. We do. Learn More

Get real interest rate and closing cost estimates so you can see specific numbers right up front. No surprises. Our rates are typically 0.125% to 0.25% lower than the big banks and little mom-and-pop mortgage brokers, with lower closing costs, too.

Mortgage lenderWith our low interest rates and low closing costs , you might be wondering about the kind of service or expertise you ll receive. You re in for a pleasant surprise. We ve gone to great lengths to streamline the loan process and make it the easiest, most convenient experience imaginable. No appointment needed. No account numbers or shoebox full of financial papers. Just the information that s in your head.

Find out how good it feels to work with a lender that delivers on both price and service, and read a few real customer comments. Then you’ll know why we enjoys a 98.0% overall recommendation rating , which we’d like to point out is a far higher standard than mere satisfaction.

I have closed thousands of loans in my career . That’s a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL!

We can do the same for you ! So if you are checking mortgage rates in Minneapolis, St Paul, all of Minnesota, Wisconsin, or South Dakota, we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!


UR Mortgage – UR Lender for Life, best mortgage lender.#Best #mortgage #lender


best mortgage lender

Best mortgage lender Best mortgage lender

Best mortgage lenderBest mortgage lenderBest mortgage lender

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Passionate

Here at UR Mortgage we are passionate about helping people get a mortgage – and it shows! We love what we do and love making the dream of home ownership come true for our customers.

Knowledgeable

Our team at UR Mortgage has over 40 years of experience in the mortgage industry! We will guide you through the process from beginning to end. Trust our experts to get your loan closed!

The mortgage process can be painful – but it doesn’t have to be. From our technology that allows you access to your loan on your schedule, to our team of human beings to answer any questions you might have – we balance technology and an old-fashioned handshake in a way that works for you!

Knowledgeable Reliable Different

Welcome to Ultimate Rate Mortgage – we’re a local, family-owned mortgage broker whose cornerstones are hard work and customer service! We listen to our clients, uncover their needs and find the best product and programs that fits. With over 40 years of experience, our highly qualified team can expertly guide you through the process from application through closing.

We know that each of our clients have their own unique mortgage needs. That’s why we work with a select hand-picked group of lenders that have the products that our clients need and the service they deserve. Whether you have perfect credit or are looking to buy again after a bankruptcy or foreclosure, we can find the best option for you.

At UR Mortgage, you’re more than just another number – you’re part of the family. Let us show you the difference!

Best mortgage lender

Your Guide to UR Team

We know that getting a mortgage can be stressful! That’s why we’ve built a team of well-versed mortgage professionals to support you along the way. Our team has a comprehensive understanding of the mortgage process and requirements to help ensure a smooth path to closing. We work in partnership with you, your realtor, and your attorney from contract to closing keeping all parties up to date on status throughout the process. Find out what the power of #URteam can do for you!

Ania Kozera

UR Mortgage Specialist

Best mortgage lender

Sylvia Maciorowska

UR Mortgage Specialist

Best mortgage lender


All Reverse Mortgage – Award Winning HECM Lender #mortgage #house


#hud reverse mortgage

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Get MORE from Your Equity with All Reverse Mortgage

(Rate as of 4/08/2016. Rate is fixed for the life of the loan. APR includes 1.250% monthly insurance rate paid to FHA to continue insuring your loan. APR assumes $150,000 loan amount on FHA low-MIP plan up to 60% of available principal limit)

(Rate as of 4/08/2016. Does not include additional 1.250% monthly insurance rate paid to FHA to continue insuring your loan. Annual Adjustable Libor Margin of 1.75% over 1Yr Annual Libor Index. Lifetime Cap 5% over start rate (7.96%). This interest rate is at a buy down and requires maximum allowable origination fee)

(Rate as of 4/08/2016. Does not include additional 1.250% monthly insurance rate paid to FHA to continue insuring your loan. Monthly Adjustable Libor Margin of 1.75% over 1Mo Libor Index. Lifetime Cap 10% over start rate (12.18%). This interest rate is at a buy down and requires maximum allowable origination fee)

Zero Origination Fee and Zero Closing Cost options require lender participation to pay these costs. Not all loans, interest rate options or loan programs will qualify for the zero origination fee and zero financed closing cost options. Zero financed closing costs may exclude state taxes when applicable. Please feel free to call or fill out the request above to determine if your loan will qualify for plans available with zero origination fee or zero financed closing costs.

Welcome to All Reverse Mortgage

All Reverse Mortgage is a HUD Approved Direct Lender. Our goal remains simple; to offer the best terms accompanied by extraordinary customer service. We maintain an A+ exemplary rating by the Better Business Bureau and are proud members of the National Reverse Mortgage Lenders Association. As a NRMLA member we abide by a Code of Ethics Professional Responsibility in which we pledge to serve you with integrity. Your best interests are our primary consideration.

Our Exclusive Programs Designed to Fit Your Needs.

All Reverse Mortgage has consistently broughtexclusive offers to our valued customers. Because of our unique process we’re able to offer a better federally-insured reverse mortgage with no compromise.

Take a look at some of our program benefits that you won’t find elsewhere:

Both Government Insured HECM and Proprietary Jumbo Programs

*Complete form above to receive a comparison of all available programs. Excludes state taxes when applicable. Min loan amount for $0 origination fee is $40,000. *APR ran at $185,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

How can we offer you more favorable terms?

We are a direct lender approved by FHA (Federal Housing Administration)

The HECM is literally all we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts.

We don’t work with Brokers, allowing us to pass the savings on to you.

We don’t hire “celebrity” spokespersons as we don’t believe you should have to pay for a lender’s expensive marketing budget with higher loan costs.

We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.

All Reverse vs. the others

It may surprise you but those “celebrities” you see all over TV have some of the worst independent consumer ratings in the industry. Compare us and you will see the crystal clear difference, from customer service to loan terms we never compromise.


North Little Rock Mortgage Lender #mortgag #calculator


#worthington mortgage

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My Real Job.

As a mortgage loan officer, I work with the various loan programs the customer is eligible for, helping the customer decide which program best fits their needs. A major benefit we have over larger banks is that we have in-house underwriting and processing. It saves time and makes the experience so much better for my customers.

I love to compete and tennis is my outlet for that. If I have some free time, you can often find me on the tennis court.

I helped an active duty Air Force serviceman clean up some credit issues that helped him and his wife qualify for a VA loan. They were transferring from Florida and this was the first home they were buying. I spent a lot of time on the phone with both of their parents, explaining some of the documents they didn’t understand. At closing, both husband and wife were so appreciative of my getting them through the process and to the closing table. That is what makes this job so rewarding.

Put my 10+ years of experience to work for you!


Ann Arbor, MI Mortgage Lender #us #mortgage #rates


#arbor mortgage

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Affordable Mortgages in Ann Arbor, MI

If you’ve been dreaming about owning a piece of real estate in which you can build equity, you may want to apply for a mortgage with Beth Maybee at Huron Valley Financial. I’ll be by your side throughout your entire loan process helping you find the ideal mortgage solution.

I will offer helpful advice that lets you understand your options. I’ll also work to find low rates and remove any errors from your credit report. Since I believe that I can find the perfect mortgage for your buying requirements, I’m here to help you get approved for:

  • USDA Rural Development loans
  • Fixed-rate mortgages
  • Jumbo mortgage loans
  • Construction loans
  • 203k rehab loans

To facilitate your approval, Beth Maybee can quickly respond to your initial requests and start your application as soon as possible. I’m happy to help you achieve your homeownership goals, and if you’re ready to apply for Ann Arbor, MI, mortgages, call me.

Services

1st time home purchase loan, exceptional service!

Beth is everything you could ever want, need, and even dream of to be a part of your home purchasing team! I was a first time home purchaser when Beth and I were working together. Beth went above and beyond, much like these other clients contest to, to ensure the most stress-free process as possible while instilling 100% confidence with her work. Beth made my experience, as a first time homeowner/purchaser, one to remember. Beth even reached out to a coworker of hers, that lives in my new neighborhood, so I could have a friendly neighbor from day 1 in my new place! It was a privilege to work with Beth, a true blessing. Thank you, so much, for all you do Beth!

Share Us With Your Friends and Family

Thanks!

Thank you for sharing us with your friends and family. Referrals are the best thank you gifts we could possibly receive.

Request an Appointment

Message Sent. Thank you for contacting us. We will be in touch with you shortly.

Send A New Message

8:00am – 8:00pm. Every Day

2395 Oak Valley Dr

Ann Arbor. MI 48103

  • Ann Arbor Area Board of Realtors
  • Michigan NMLS# 1036149
  • Florida NMLS# LO19646
  • Indiana NMLS# 19667
  • Texas 1036149

Mortgage Capital Associates Inc Review – Mortgage Lender in San Diego, CA – BBB Business


#mortgage capital associates

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Mortgage Capital Associates Inc

This company offers residential lending and real estate marketing services.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB Complaint Information

Find aggregate BBB complaint information for Mortgage Capital Associates Inc. BBB of Los Angeles and Silicon Valley has the full report as that BBB handles all complaints for Mortgage Capital Associates Inc.

Government Actions

BBB knows of no government actions involving the marketplace conduct of Mortgage Capital Associates Inc.

Advertising Review

BBB has nothing to report concerning Mortgage Capital Associates Inc s advertising at this time.

Additional Information

BBB file opened: декабря 18, 2012 Business started: 05.23.1994 in CA Business started locally: 01.01.2011 Business incorporated 05.23.1994 in CA

Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Nationwide Mortgage Licensing System

Nationwide Mortgage Licensing System

Department of Corporations
320 W 4th St Ste 750, Los Angeles CA 90013
http://www.corp.ca.gov
Phone Number: (866) 275-2677
The number is 4130479.

Type of Entity
Business Management

Mr. Aaron Bembaron, Partner Ms. Lauri Bembaron, Partner

Contact Information

Principal: Mr. Aaron Bembaron, Partner

Number of Employees
Business Category

Mortgage Lender Mortgage Brokers Mortgage Bankers Marketing Consultants Real Estate Consultants Consultants – Social Media Online Social Media/Networking Real Estate Services

Industry Tips

Nationwide Home Loans: Fort Lauderdale – s Premiere Mortgage Lender #reverse #mortgage #info


#nationwide mortgage

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Nationwide Home Loans For fast, reliable service … From a lender you can trust!

Nationwide Home Loans is a boutique residential direct lender focused on providing conventional, FHA, VA and Reverse Mortgage loans to first-time home buyers and the most seasoned of investors.

Talk to us – our business is our obsession

  • Conventional, FHA, VA, Reverse
  • Fixed or Adjustable
  • Financing that fits your needs
  • Compare
  • No gimmicks

Take advantage of our expertise and experience

  • Direct Lending saves you time and money
  • We avoid the “turnaround time” underwriting processing delays of big bank dependence
  • We know how to capture financial market events that benefit you
  • Our automated technology platform keeps our clients updated from application to closing
  • Our local real estate, builder and professional contacts facilitate improved decision making

Unsurpassed Service

Our dedicated staff of mortgage professionals is committed to the challenging task of fitting the right loan to each qualified borrower and we are not satisfied until you are.

Let’s start today. Call us for a free no-obligation consultation. Whatever your housing goals, let our mortgage expertise work for you!

LOAN PROGRAMS

These are conventional loans that follow the terms and conditions established by the guidelines of Fannie Mae and Freddie Mac. Conforming loans are equal to or less than the dollar amount established by the conforming loan limit set by Fannie Mae and Freddie Mac’s and meets their funding criteria.

Types of Conforming Loans

Fixed-Rate Mortgage
The interest rate and the principal payments remain fixed throughout the loan. Keep in mind your monthly escrow account payment could vary from year-to-year as taxes and insurance rates change.

VA Loans are guaranteed by the U.S. Department of Veterans Affairs. Service persons and veterans can qualify for a VA Loan, which usually offers a competitive fixed interest rate, no down payment and limited closing costs. While the VA does not issue the loans, it does issue a certificate of eligibility required to apply for a VA loan.

The FHA is a federal government agency within the U.S. Department of Housing and Urban Development.

FHA plays a significant role in helping low- to moderate-income families qualify for mortgages. FHA assists first-time buyers and others who would not qualify for a conventional loan, by providing mortgage insurance to private lenders. Interest rates for an FHA loan are usually the going market rate, while the down payment requirements for an FHA loan are lower than conventional loans. The required down payment can be as low as 3.5 percent and the closing costs can be included in the mortgage amount. The FHA isn’t a lender and doesn’t directly make home loans. Instead, the FHA insures home loans against the borrower’s default to encourage lenders to offer the loans to home buyers and homeowners at more affordable interest rates.

The FHA has a special program that can help you refinance your FHA loan through a streamline process that’s easier than the typical refinancing.

Here’s a summary of what an FHA streamline refinance is, what the advantages of an FHA streamline refinance are, how an FHA streamline refinance works and what the requirements are.

FHA Refinance Loan Streamline Process

It’s important to remember that “streamline” doesn’t mean you can refinance your FHA loan without any closing costs. Instead, “streamline” refers only to the process, which involves less documentation and other requirements than a typical mortgage refinance does. For example, an FHA streamline refinance loan might not require an appraisal. That’s a major advantage if you want to refinance but believe your home has declined in value.

Though the streamline refinance isn’t cost-free, your lender may allow you to finance the closing costs through a slightly higher interest rate on your new loan. That means you won’t have to pay a lot of cash out-of-pocket to streamline refinance your existing FHA-insured mortgage. Instead, you’ll pay a higher interest rate and your FHA lender will pick up the tab for the closing costs of your streamline refinance. If you refinance into an FHA loan with a lower interest rate, you’ll still save money on your monthly mortgage payment.

Qualifying for an FHA Streamline Refinance Loan

The basic requirements for an FHA streamline refinance are:

• The mortgage that you want to refinance must be an FHA-insured loan.
• You must be current (i.e. not delinquent) on your mortgage payments.
• The primary reason why you want to refinance your FHA loan must be to lower your monthly principal and interest payment.
• You cannot tap your equity (i.e. take out cash) if you use the streamline process.

The FHA streamline refinance loan program isn’t new; in fact, the streamline process has existed since the early 1980s. An FHA-approved lender can help you get started on your FHA streamline refinance loan.

A reverse mortgage is a low-interest loan for senior homeowners that uses a home’s equity as collateral. The loan amount is a percentage of the home’s value determined by the age of the youngest homeowner. The loan does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away. At that time, the estate has approximately 12 months to repay the balance of the reverse mortgage or sell the home to pay off the balance. All remaining equity is inherited by the estate. The estate is not liable if the home sells for less than the balance of the reverse mortgage.

A jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders. The limit is $417,000 in most parts of the United States, but is $625,500 in the highest-cost areas and in-between in others. The cost of a jumbo loan is higher than a standard loan, so expect a higher interest rate for a jumbo loan.


Commercial Mortgage Rates – Commercial Real Estate Lender #federal #mortgage #relief


#commercial mortgage rates

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Welcome to Select Commercial Funding LLC

We provide commercial mortgages, apartment building loans, investment property loans and business real estate loans. We act as your professional loan advisor to help find the optimal mortgage financing solutions for you by offering personalized service and custom tailored loan programs to suit your individual needs.

About Us

To learn more about Select Commercial, click on one of the three links below:

  • Our Services
      We provide great rates on apartment building mortgages, commercial mortgage loans and business real estate financing for each deal and every client.
  • Our Advantages
      We analyze the borrower’s commercial real estate loan or apartment financing requirements to determine the best and optimal solution going forward.
  • Our President
      Stephen A. Sobin is the President and Founder of Select Commercial Funding LLC.

Products

To learn more about our commercial property loan, multifamily loan, business real estate financing and investment property loan products, click on one of the three links below:

  • Apartment Building Loans
    • Rates start as low as 3.25% (as of 9/7/16)
  • Commercial Mortgage Loans
    • Rates start as low as 3.63% (as of 9/7/16)
  • Business Real Estate Loans
    • Rates start as low as 3.63% (as of 9/7/16)
  • Investment Property Loans
    • Rates start as low as 3.25% (as of 9/7/16)

Free Loan Request

We provide free multi-family loan, commercial mortgage loan and business mortgage quotes within 24 hours with NO cost, NO obligation, and NO upfront application fees.

Recent Approvals & Closings

Here are a few of our recent apartment building loans, commercial mortgages and business real estate loans. Click on any of them or the button below to see more.

Tools & Info

Below you will find tools and helpful information:

  • Commercial Mortgage Calculator
    • Use our commercial mortgage calculator to calculate the monthly payment on a commercial mortgage loan.
  • Commercial Mortgage Rates
    • See our commercial mortgage rates and commercial loan products.
  • Media
    • Read articles we’ve written for major publications.
  • Testimonials
    • See what our customers have to say about us.

Questions

Q: This is a huge investment/transaction for me and I’m hesitant using a company that I found online. While your company looks reputable, how can I be sure that you are capable and knowledgeable enough to take care of me?

A: That’s an excellent question. As with all online transactions, you should be alert and research the company carefully. It is important to verify that the company you do business with has a proven track record and is an accredited business with the Better Business Bureau. Be wary of companies that charge upfront fees before approving your commercial mortgage loan.

Contact Us

If you would like to get started with an application please Click Here.
If you have any questions, please click Contact Us or call us at 877-548-9454.

I was searching on the internet for commercial mortgage rates and came across selectcommercial.com. Your site answered all of my questions concerning commercial mortgage lending. I had visited other commercial mortgage sites, but they weren’t user friendly or informative. I needed apartment building financing and learned that this was one of your specialties. After speaking with Stephen Sobin, I decided to use Select Commercial and I’m glad I did. Your rates and service were great. Thanks!
Donald M. New York City

Commercial Mortgage Rates

Current commercial mortgage rates are at historic lows. Our rates are extremely attractive, and we offer 24 hour approvals with NO COST and NO OBLIGATION. If you are looking to finance a commercial property, we can help. Click for a FREE QUOTE now!

Apartment Building Loans

As of 9/7/16, current rates start at

  • Credit tenants such as Walgreen s, CVS, AutoZone, Panera Bread, etc.
  • Up to 75% LTV for purchases and refinances
  • Cash out available
  • Low step-down prepayment penalties
  • Loan terms up to remaining lease term

Apartment Building Mortgage Rates

Apartment building loan rates are among the best in the commercial mortgage industry. When lenders set the rates for these types of loans, they are encouraged by the short and long term prospects of the rental housing markets. Due to the lower risk of apartment buildings as an investment class, the rates are very low right now. Of course, the type of loan is only one factor when it comes to determining risk. The borrower’s credit worthiness, property location and property condition and many other factors are analyzed. For more information on what commercial mortgage lenders look for in determining the rate you receive, please see our blog article How to Qualify for the Best Commercial Mortgage Rate.

Rates updated 9/7/16

Fannie Mae Small

  • Loan amounts from $3 million and up
  • Loans available for apartment buildings, cooperatives, affordable housing, student housing, senior housing, and manufactured home communities
  • Loan to value ratios up to 80% on purchases and 75% on refinances
  • Cash out refinances are acceptable
  • Pricing based on loan-to-value and debt service coverage ratio:
    • Tier 2 – 75-80%/1.25x
    • Tier 3 – 65%/1.35x
    • Tier 4 – 55%/1.55x
  • Interest only loans are available
  • Step down and yield maintenance prepayment penalties
  • Nonrecourse loans are available
  • Principal borrower must meet credit, net worth, liquidity and experience requirements

Freddie Mac Small

  • 5 year fixed rate period may be followed by a 15 year floating rate period
  • 7 year fixed rate period may be followed by a 13 year floating rate period
  • 10 year fixed rate period may be followed by a 10 year floating rate period
  • Interest only is available
  • Step-down prepayment penalties
  • Free rate locks for up to 90 days
  • Pricing is based on LTV and DSC ratios
  • Floating rate periods subject to annual and lifetime caps
  • Up to 75% LTV for purchases and refinances
  • Cash out available
  • Low step-down prepayment penalties
  • Fixed rates for 5, 7, or 10 years followed by adjustable rate options
  • Adjustable options are subject to annual and lifetime caps
  • Recourse is typically required
  • 60 day rate locks
  • Up to 50% commercial income is acceptable

CMBS Loans From $2,000,000+

  • Loan amounts from $2 million and up
  • Loans available for apartment buildings, retail shopping centers, office buildings, warehouses and hospitality
  • Loan to value ratios up to 75% on purchases and refinances
  • Cash out refinances are acceptable
  • Interest only loans are available
  • Loans are non-recourse

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Business Real Estate Rates

Business mortgage rates for loans secured by a self-employed realestate owner s remain low for many types of properties, including: hotels and motels, gas stations, convenience stores, laundromats, doctor’s and dentist’s offices, other professional offices, warehouses, industrial facilities, auto repair, retail stores, self-storage, day care, liquor stores, assisted living facilities, etc. Most of these property types will qualify for loans up to 90% LTV with very attractive business mortgage rates. Physicians, dentists, veterinarians, and other medical professionals may qualify for up to 100% financing for their medical practices, including working capital. Like other types of commercial mortgage loans, the borrower s credit worthiness and property details will determine the rate and terms of the loan.

Rates updated 9/7/16

Owner Occupied Commercial Properties


Closing Costs Explained – Escrow – Discount Points – Lender Fees #mortgage #refinance #rates


#mortgage costs

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Understanding Closing Costs

In this article, LendingTree will explain the cost of a mortgage, including closing costs. We ll help you understand how to differentiate PMI from PITI, understand origination and discount points, and learn about escrow.

Which costs to focus on for the biggest savings

Many home buyers focus on just one cost, when really, there are a wide range of mortgage costs to consider when shopping for a home loan. Typically, buyers focus on getting the best mortgage rates when comparing quotes from lenders. And that s smart. ​

Using a mortgage payment calculator and some basic math, you can see that someone taking out a loan for $180,000, with a 3.5% APR loan on a $200K home is likely to pay just over $110,000 in interest over the lifetime of a 30-year fixed-rate mortgage. Anything that can be shaved off that cost is going to be welcome.

However, just because interest is by far the biggest of the various mortgage costs, that doesn t mean you should ignore the others. Closing costs vary widely between mortgage lenders and loan programs. Typically they run from two to four percent of the home s purchase price. In the example above, that would be $4,000 to $10,000.

Consumers who compare quotes from several lenders may be able to place themselves at the lower end of that range. There s absolutely no reason for a buyer not to contact competing lenders and choose the loan with the lowest overall costs.

What s Tax Deductible?

There s a widespread belief that all closing costs are deductible when filing federal taxes. That s untrue for most, but there are exceptions — and they can be big ones.

The IRS says the following may be deducted by those who itemize their deductions:

  1. Any property taxes paid by the buyer at closing, although there are special rules for cooperatives.
  2. Prepaid mortgage insurance premiums (MIPs).
  3. Mortgage origination fee. That s is usually expressed as a percentage of the home loan amount, for example one point.
  4. Discount points used to buy down a mortgage rate. These are paid to obtain a lower interest rate, not to originate the loan. These have to be pro-rated and deducted during the life of the mortgage. If you paid $3,000 in discount points to reduce the rate of a 30-year home loan, you d be able to deduct 1/30 th of the points, or $100 per year. If you refinance your mortgage. you ll be allowed to deduct any discount points that have not yet been deducted.
  5. Mortgage interest paid during the year.

To deduct any of these costs, you have to itemize your deductions on a Schedule A. If you take the standard deduction, you cannot deduct closing costs or interest expense.

Closing and Mortgage Costs

Most closing costs are related to the mortgage or are associated with home ownership.

  1. Appraisal fee. Paid to the professional who assesses the value of the property.
  2. Attorney or title company fees. This is for escrow services when you sign the documents and complete a property purchase.
  3. Credit report fee. Covers the costs of checking your credit rating.
  4. Discount points. These are paid to get a lower mortgage rate.
  5. Impounds. These are pre-paid property taxes and homeowners insurance. They are not a lender fee but are simply costs related to owning a home, If you borrow more than 80 percent of the purchase price, most lenders require impounds. They prorate these amounts and add them to the monthly mortgage payment. Then the lender pays your insurance premiums and taxes as they come due.
  6. Inspection fees. It s recommended that buyers have a professional inspection to make sure the home is safe and livable.
  7. Loan origination fee. Charged by the lender for processing the mortgage application. It s usually defines as a percentage of the loan amount (in this case it s an origination point and not a discount point ) but it may also be a flat fee.
  8. Pest inspection fee. This determines if the property has termites or any other infestation.
  9. Recording fee. Charged by the city or county for recording the ownership change for the property and the lender s lien against it.
  10. Title insurance fee. There are two policies the buyer s and the lender s. The first one protects the buyer in the event that the title is not clear. The second protects the lender s interest. If you finance a home purchase, the lender will almost certainly require that you purchase a lender s policy.
  11. Title search fees. A search is intended to uncover any encumbrances on the title, such as unpaid mortgages or tax liens.
  12. Underwriting, processing, document preparation, courier fee, and more. These lender fees may be charged by the lender as separate items but are commonly wrapped into the origination. In the industry, these are called junk fees and they are absolutely negotiable.

Good Faith Estimates

Good faith estimates (GFEs) protect buyers by disclosing home loan costs when they apply for a mortgage. Lenders must provide a GFE, which lays out the basic terms and expected costs of the loan, within three working days of receiving a mortgage application. Many are willing to provide one before you actually apply, which makes shopping for your mortgage easier.

Other lenders do not issue GFE s to loan shoppers. Instead, they provide a worksheet or scenario. There is nothing wrong with this, but you should be aware that only an actual GFE provides certain protections.

Lenders must issue a new GFEs any time there is a material change in your application (for example, you applied for a 30-year fixed loan but then switched to a 5/1 ARM ). Your actual closing costs must essentially match the final GFE.

Closing costs are divided into three categories those which cannot vary from what was disclosed at all (most lender fees fall in this one), those that can come in higher but within certain limits (most of these are services from lender-selected providers), and those that can change by any amount (those are mostly costs from providers chosen by the borrower). We explain more about this in our article: the mortgage closing process explained .

Additional Resources

Here are some additional resources to help you better understand the mortgage costs and closing costs.