Loan ProductsFixed Rate Loans | Floating Rate Loans | Construction Loans | Mezzanine Loans | Bridge Loans | Forward Commitment | Renovation/RepositioningFixed Rate LoansAlthough Fixed Rate loans are a staple of the mortgage industry, many opportunities exist for negotiation on mortgage lending terms, especially interest rates, loan-maturity and prepayment penalties. Wholesale Commercial Capital Group can provide the best fixed interest rates and additional terms in the industry. Borrowers can feel secure knowing that the rate will not change throughout the entire term of the loan. Wholesale Commercial Capital Group's experienced professionals know when to recommend fixed rate loans through proprietary loan evaluation models.Return to top Floating Rate LoansA floating rate loan is typically indexed to the London Interbank Offered Rate (LIBOR), which tracks and approximates the Federal Funds rate. Many recent borrowers have chosen floating rate loans to take advantage of the historically low interest rates of the past few years. Floating rate loans often feature minimal or no prepayment penalties. They are particularly attractive to buyers with a two to four year financing horizon, such as acquisition of a property going though a reposition or a turnaround. Wholesale Commercial Capital Group can help borrowers exploit these flexible structures for their immediate short-term utility or as an astute means of strengthening their long-term strategy.Return to top Construction LoansTypically, Construction Loans are short-term loans utilized by borrowers to finance building costs. Every construction loan varies depending on the product, the length of the construction process, and the borrower's experience. Wholesale Commercial Capital Group can help builders find the best source, rate and term for these often critical loans.Return to top Mezzanine LoansWhether it be structured as partnership debt, or preferred equity, a mezzanine loan can be an integral component for a real estate owner or developer in many diverse circumstances. The mezzanine typically equals the difference between the first mortgage lending amount and 85-90% of the purchase price.Return to top Bridge LoansDesigned to be paid back relatively quickly, such as by a subsequent longer-term loan, bridge loans can be a key component in a long-term strategy for real estate borrowers. Wholesale Commercial Capital Group can help borrowers understand all the nuances and conditions as well as plan for the future.Return to top Forward CommitmentForward commitments continue to gain in popularity in the current borrowing climate for real estate. This involves a commitment by a lender to make a loan in the future, often with a predetermined interest rate. Wholesale Commercial Capital Group can help obtain the optimal structure for the borrower.Return to top Renovation/RepositioningSimilar to a construction loan, a renovation loan may involve financing for the specific purpose of upgrading an existing property in order to project the desired image of a product or service to the market. Wholesale Commercial Capital Group lending professionals are able to help borrowers present their renovation program to the right lending source and to plan and consummate transactions in a timely fashion, with the best rates and terms available.Return to top |
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