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Learn About Buying español Put My Century 21 to work for you, simply register your email address and create a password. Once you're registered, you'll be able to • save property descriptions • store your search criteria • file agent information • build a custom library Find out more or register now! Already registered? Sign in . Learn about Buying -- Get ready to find the home of your dreams. Get tips on what you should look for, how to negotiate a great deal, how to protect yourself along the way, and more. Step 1: Defining What You Want Step 2: Figuring Out What Your Can Afford Step 3: Shopping for Homes Step 4: Making an Offer Step 5: Inspections and Insurance Step 6: The Final Closing How do I get the real scoop on homes I am looking at? -- What is the first step to buying a home What are some negotiating tips What contingencies should be put in an offer? Is it possible to buy a home below market price? How can buying my house help save money for my childs college education? More... Buying Your First Home Buying II: Advanced Topics Buyer's remorse Escrow closing The 72-hour clause More... ©2005 Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each CENTURY 21 Office Is Independently Owned And Operated. All rights reserved. Information appearing on this site has been produced by or obtained primarily from Century 21 Real Estate LLC and its representatives and from CENTURY 21 franchisees. Century 21 Real Estate LLC is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided by our franchisees appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Terms and Conditions of Use.

Land Loan : 1.

LegalOnline.com: Your Source For Law - mccutchen - mccutchen.com McCutchen.com is for sale! $2,500.00 Sponsored results for Land Loan : 1. Land Loan Specialist in CA and NV Union Home Loan, Inc. lends for single family, commercial, developer lots, raw land, unimproved and improved property of all types and land purchases. It's easy to qualify. www.unionhomeloan.com 2. Found Your Dream Lot? You've found the perfect location to build your dream home. Now you need the perfect land loan. With a lot loan from IndyMac Bank, you choose the program that's right for you. hcl.indymacbank.com 3. West Coast Hard Money Expert: Land Loans Union Land Loan Center arranges loans for all types of land whether residential, commercial, or industrial. Hard money loans available from $20,000 to $3,000,000. Apply online today. www.unionlandloans.com 4. Land Loans - Hard Money Hard money for land and commercial real estate. No upfront fees. $150,000 minimum. No houses or construction loans. www.hardmoney.cc 5. Land Loan Quotes Get land and construction loan offers. Simple land lot loans application. Get competing rates. www.land-loans.net 6. Land Loans at Lending Universe At Lending Universe, your land loan request will be seen by 10,000 brokers, qualified lenders and private investors. Get multiple bids for your loan request. Sign Up Free. www.lendinguniverse.com 7. Resource for Land Loans If you have land we have a loan. Apply online and we can provide you a land loan. www.everysinglemortgage.com 8. Land Loans COBS Homes provides home plans, budget and materials. 100% construction and land loans. Step-by-step guidance helps you save money and keep control over your project. www.cobshomes.com 9. iBank - Land Loan Network Fast, direct, real-time lending. Connect with 225 commercial lenders nationwide. Compare rates and terms. Connect now - we process $7.1 billion commercial loans monthly. www.ibank.com 10. Oregon Land Loan - Free Quotes Compare mortgage and refinance quotes from 100's of local lenders. All credit OK, instant response. www.refinancelibrary.com More Results ›› RELATED LINKS Land Loan Bathroom Vanity Kitchen Remodeling Vinyl Siding Waterproofing Home Builder Pet Memorial Bathroom Cabinet Amerock New Home Builder Search: Other Categories | Advertising | Art | Automotive | Aviation | Baby | Boating | Books | Cash | Crafts | Credit Cards | Dating | Education | Electronics | Employment | Entertainment | Family | Fantasy Sports | Fashion | Finance | Fitness | Food | Furniture | Games | Gardening | Genealogy | Gifts | Health | History | Hobbies | Holidays | Home Improvement | Horoscopes | Jewelry | Loans | Mortgages | Movies | Music | News | Online Shopping | Pets | Real Estate | Religion | Science | Shopping | Small Business | Sports | Tattoos | Taxes | Technology | Travel | Weddings | Wellness ® 2005 YesDirect, Inc. About | Home | Privacy Policy | Terms of Use

Land Loans | Small

loans: Domestic international project financing commercial mortgages commercial financing land loans . . . . . . . . 1 international financing, international loans or international project financing, commercial real estate, asset business loans, commercial real estate finance, lender, loan services, equipment financing, equipment leasing, commercial equipment loans, equipment lending, loans for equipment, domestic and international equipment financing, equipment sale leaseback, business loans, working capital, buy back, refinance, hard cash money, business and finance, commercial lender, financing, equipment sale leaseback, financial services, commercial real estate finance, bridge, resale, commercial property loans, finance, equipment sale leaseback, small business financing, equipment lease, leasing, commercial mortgage, accounts receivable factoring, business, commercial, signature, unsecured personal business lines of credit, 144 restricted and free trading stock loans, stock block purchases, equipment sale, ease-back, funding, equity, lender, medical healthcare doctor financing, purchase order, advance commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing Mortgage Cap Financial provides commercial real estate financing to real estate investors and developers in need of construction, interim, or long term funding on commercial real estate. 1 2 3 4 5 6 7 8 9 Mortgage Cap Financial PHONE: 212-631-4272 FAX: 212-208-3069 Please bookmark this site for future reference. email us Loan Types Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist For your convenience, just click any of the following links to go to available programs which also listed directly below on this page - Land Loans | Small Loan Program For Commercial and Multi-Family Properties | Jumbo Commercial Financing | Commercial Construction Financing | Mortgage Financing | Hotel / Motel Project Financing | Developer 100 Percent Financing | Investment Properties Mortgage Loan | Hotel / Motel Flagged Project Financing | Commercial Bridge and Construction Loan | Nationwide Bridge Loan Financing | Owner User Properties Conventional Loan | Nationwide Commercial Real Estate Development Land, Construction, and Joint Venture Financing | Domestic and International Financing | Equipment Financing / Leasing | Commercial Financing Matrix | Credit Authorization Form | Commercial Real Estate Loan Application | Environmental Questionnaire Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format LAND ACQUISITION AND DEVELOPMENT FINANCING CONSTRUCTION AND DEVELOPMENT FINANCING Loan amounts: 1,000,000 and above. Very large loan requests welcome. Types of properties: Land , construction and development of multi-family , hotels, motels , casinos, shopping centers, office buildings, industrial complexes, mixed use properties, nearly all general and special purpose properties will be considered. Rates and terms are reviewed with the principals and /or broker after submission of loan submission form and executive summary of the project has been received. Geographic areas: Throughout the United States with loan amounts 1,000,000 and above. International loans 20,000,000 and above. Projects in Mexico can be reviewed in loan amounts of 1,000,000 and above. Types of loans available: Land loans , acquisition and development financing, bridge loans, fast equity loans, and long term financing of 5 years and longer. Small, medium and large size developers are invited to submit loan requests. Types of land projects that we have reviewed recently are residential subdivisions, land lots, commercial development of land lots and subdivisions of mixed use properties. Interest rates are reflected by the perceived risk of the project and the financial strength of the principals and the willingness of the principals to guarantee the loan requests. Also the amount of time the principals have to act upon the loan request, very fast loans can be provided but the cost of capital will be higher because funds are derived from private funds. For projects that have a 30 to 60 day window to close interest rates can be lower because a greater amount of time is available for due diligence and greater amount of documentation can be provided and supported. We are able to assist developers in virtually all phases of their development whether it be a commercial or residential development, and sometimes there may be more than one solution to their financing request and they will be presented after review of their construction and development loan request . Special purpose property types such as amusement parks, casinos, power plants, and owner occupied business properties such as offices, gas stations, truck stops, and other special purpose properties can be considered. We understand the needs of the developer, and whether you need a fast loan to take advantage of a special acquisition opportunity or need a complex financial structure to build out your next project we are ready to consider your construction and development financing request. Please submit an executive summary of your construction and development loan request to Mortgage Cap Financial by E-Mail . Brokers and principals invited to acquire about all of our financing programs, information and checklists about the requirements of the various financing programs can be obtained by reviewing our entire web site. If there are any questions, please contact us . International Financing / International Project Loans: Loan amounts: 20,000,000 and above. Geographic: International with emphasis on projects in North, Central and South America, Europe and Asia. Types of projects: All types of large residential and commercial real estate developments, mergers and acquisitions financing for successful companies seeking to expand or buy out other companies, energy projects such as power plants, ethanol plants, oil and gas refineries, large infrastructure projects such as roads, bridges, railroads, cement plants, hotels, and casinos. Types of financing: Loan terms and conditions would be dependent upon the perceived risk of the project and the strength of the principals; however the rates and terms are very competitive. Please e-mail a summary of the International Project Loan request. Domestic and International Financing Program: Loan amounts: 20,000,000 and above, all size projects that are 20,000,000 and above can be considered. Geographic: USA and Internationally based projects can be reviewed. Types of projects: Real estate, energy, and all type of infrastructure projects. Types of projects can include residential and commercial real estate development, hospitality and medical related facilities, power plants, oil and gas mining projects, infrastructure projects such as tunnels and railroads and other large scale projects that are needed throughout the world. Terms and conditions: That is dependent upon the specific project and the perceived risk of the project. Please e-mail us a summary of your project. Land / Construction Loans Quality Properties and Borrowers Loan Amounts: $3,000,000 - $20,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: land acquisition, refinance for infrastructure and construction Loan to Value (LTV): Purchase: to 90% of cost Refi: 60- 75% of as is value Construction: to 100% of construction cost Recourse: Yes. Non-recourse will be considered Advance Fees: NONE in most cases, until Term Sheet/LOI is issued. Then 3 rd party costs and out of pocket expenses. Loan Fees: 5-7 points Interest Rates: 11-14% Term Sheet / LOI: 5-7 days Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter Preview Checklist: 1. Executive Summary: 1-2 page Deal Summary. Include property history and any challenges that exist. Please be sure to include exact property location and description, detailed use of proceeds and Exit Strategy (how and when loan will be paid. 2. Purchase price or year of purchase and purchase price, if refinance 3. Executive Summary from latest appraisal 4. Resume and Personal Financial Statements on all Borrowers 5. Most recent business and personal tax returns on Borrowers 6. Current Credit Bureaus with FICO scores on Borrowers 7. Cash equity investment by Borrowers AND detailed use of cash to date. 8. Detailed use of funds and construction budget, if applicable 9. Status of required entitlements and approvals 10. project timetable for remaining entitlements, infrastructure, construction to Lease-up or full sell out 11. Pro-forma financial projections and operating statements. Digital aerial photos of property, if available LAND LOANS: Loan Amounts: 1,000,000 to 100,000,000 Geographic areas: USA, Canada, and Mexico Acquisition land loans up to 80% of purchase price and refinancing up to 70% of the value of land. BELOW PRIME RATE - FIXED RATE FINANCING: Owner User and Investment Properties Available in all 50 states . LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) DOCUMENTATION: Full Doc only min DCR of 1.2 CREDIT SCORES: 650 FICO PROPERTY TYPES: Owner User or Investment Properties: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered - case-by-case. NOTE: Flagged hotel/motel and restaurants ARE eligible for this program. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties INTEREST RATES 2 year fixed rate: Prime less 1.25% AS LOW AS: 5.75% Current APR NOTE: At end of 2 yr term, Borrower will have option of quarterly adjustable at P +1% or 5 yr fixed at then current rates. PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase rate by .625%) Other programs available with 5,7,10 and 25 yr* fixed rates. Call 212-631-4272 for details and quotes. * 25 yr fixed rate available only on Owner User Properties. SMALL LOAN PROGRAM FOR COMMERCIAL AND MULTI-FAMILY PROPERTIES: Loan Amounts: 500,000 to 3,000,000 Property Types: Apartments, retail, industrial and office buildings, hotels and motels. Mixed use properties such as apartments over commercial use property are acceptable. JUMBO COMMERCIAL FINANCING: Loan Amounts: 5,000,000 to 750,000,000 Terms: 5 TO 25 YEARS Property Types: MULTI-FAMILY, COMMERCIAL, DEVELOPMENTS, HOTELS, RESORTS, CASINOS, RESIDENTIAL DEVELOPMENTS Loan To Value: UP TO 90% Geographic: USA, CANADA, plus NORTH, CENTRAL, AND SOUTH AMERICA RATES ARE BASED ON RISK INHERENT WITH PROJECT. Types of Loans: CONSTRUCTION AND LONG TERM LOANS SECURED BY LAND AND IMPROVEMENTS COMMERCIAL CONSTRUCTION FINANCING: LOAN TO COST: UP TO 90% OF THE PROJECT CAN BE FINANCED, IN CERTAIN CASES UP TO 100% OF THE PROJECT CAN BE FINANCED. LOANS AVAILABLE NATIONWIDE USA. ALL 50 STATES CONSIDERED. MORTGAGE FINANCING: FIRST AND SECOND MORTGAGES AVAILABLE THROUGHOUT THE UNITED STATES. CONSTRUCTION LOANS ALSO AVAILABLE. LOAN AMOUNTS OF 500,000 TO 200,000,000. PROJECT TYPES CAN INCLUDE APARTMENTS, SHOPPING CENTERS, OFFICE BUILDINGS, HOTELS, MOTELS, INDUSTRIAL PROPERTIES. INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered on case-by-case basis. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 5 year rate: 5 yr FHLB + 2.65% AS LOW AS: 10 year rate: 7 yr FHLB + 2.90% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) WE FINANCE THE HOTEL AND MOTEL PROJECTS: WE CAN FINANCE THE TO BE BUILT HOTEL OR MOTEL FLAGGED OR UNFLAGGED. WE ARE READY TO PROVIDE THE CONSTRUCTION OR BRIDGE LOAN SO YOU CAN GET THE PROJECT OFF THE GROUND OR TO REHABILITATE. CONTACT: RICHARD MILFORD - PHONE: 212-631-4272 FAX: 212-208-3069 OR JUST PRESS THE E-MAIL ENVELOPE AND LETS START TALKING ON HOW WE CAN FINANCE YOUR PROJECT. ATTENTION: DEVELOPERS 100% FINANCING NOW AVAILABLE Pre-Leasing : Not required Property Type(s): All property types are eligible under this program including apartments, condos, hotels, motels, office buildings, resorts, golf courses, and a wide variety of commercial and residential developments . Geography: Nationwide USA, Canada, Mexico, and other countries considered. Minimum Deal Size (all-in cost): $5,000,000 Maximum deal size (all-in cost): $750,000,000 Development Type: All types of residential and commercial developments are considered under this financing program including hotel resort projects and speculative residential and commercial projects and rehab deals. Timing: Maximum Five (5) Year Hold Period. We are seeking developers and investors who have a successful track history and can demonstrate a successful history in residential and commercial development as well as real estate investing. MULTI FAMILY INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Multi family properties in MSAs with populations greater than 50,000 TERM and AM: 25 or 30 year fully amortizing, with no calls or balloon LOAN TO VALUE: Max 1 st lien: 75% LTV. Secondary financing not to exceed 85% CLTV CASH OUT REFI: 70% max LTV with 85% minimum occupancy FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 3 year rate: 3 yr FHLB + 2.65% AS LOW AS: 5 year rate: 5 yr FHLB + 2.65% 7 year rate: 7 yr FHLB + 2.65% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OCCUPANCY: 80% minimum at time of origination and projected INVESTMENT PROPERTIES MORTGAGE LOAN PROGRAM - PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format Property Types: - Office / Medical / Apartment properties / Industrial buildings / Retail centers / Warehouse properties / Mobile home parks / Self Storage Loan Amounts: $1,000,000 - $20,000,000 Terms: 10 to 25 year term mortgages dependent on property type. Amortization: Up to 30 years. Property types: Apartments and commercial income producing properties. Loan Types: Fixed and variable rate loans for property acquisition, refinance, and permanent financing. Loan to Value (LTV): Up to 80% LTV: $1,000,000 to $3,000,000. Up to 85% LTV on apartments, office properties or anchored retail, $3,000,000 and above up to 20,000,000. Recourse: NON RECOURSE Origination Fees: PAR RATES NO POINTS FOR THIS SPECIFIC LOAN PROGRAM ONLY. Rates: 10 yr fixed rate w/ 30 year am: - Apartments: as low as 5.2% (10yr T + 100 bp 145 bp) - Commercial: as low as 5.6% (10yr T + 140 bp 170 bp) Pre-qualification: 72 hrs Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: For the investment properties loan program only: - No seller carry or secondary financing permitted for this specific loan program - No restaurant, hotel/motel, auto related or land loans for this specific loan program - No construction loans under this specific loan program PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format FLAGGED HOTEL / MOTEL PROPERTIES Quality Properties and Borrowers Loan Amounts: $2,000,000 - $10,000,000 Term / Am: 10 year term with 25 year amortization Loan Types: 10 year fixed rate loans for property acquisition and refinance Loan to Value (LTV): 70 percent maximum for purchase or refinance (no cash out). 65% maximum if cash out refinance unless being used to enhance value of property. Recourse: Full recourse for this particular program, non recourse loans may be available at different rate, terms and conditions and may have yield maintenance prepayment penalties, this particular program have different prepayment penalty scenarios are dependent upon the specific project. Origination Fees: NONE Loan Fees: 2 to 4 points Rates: 10 yr fixed rate w/ 25 year am: 6.5% to 7.5% Pre-qualification: Completion of our loan submission form, once reviewed and there is interest the documentation below will be requested. Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format Commitment Letter: Within 7-10 days of receipt of complete loan package. Funding: 30 to 45 days from Commitment Letter. NOTE: - Good credit and cash flow. DCR: 1.3 minimum. - Established properties only. No turnarounds, startups or construction. - Value based on lower of purchase price or appraisal, if purchase. - Borrower must be experienced or hire recognized hotel management company. Please note that we have other hotel/motel financing programs that will review turnarounds, both franchised and non franchised hotels and motels, rates and terms are subject to change and underwriting. NEEDED TO PRE-QUALIFY: - L ast 3 years property tax returns. - Y ear-to-date financial statements. - C urrent credit bureau with FICO on Borrowers. - Executive Summary from latest appraisal. - Current Personal Financial Statements for Borrowers. - Latest personal tax returns from Borrowers. - Digital photos of property, or web site with photos. - Last 3 years occupancy annual reports. - Year to date occupancy monthly reports. - Amount of loan request. - Detailed use of funds. Commercial Bridge and Construction Loan Program $3,000,000 to $25,000,000 Purpose: Commercial construction loans and or commercial bridge financing for the ground-up development of new commercial properties, or the renovation and repositioning of existing properties, for both pre-leased and speculative development. Loan structure, pricing, advance to cost ratios and recourse requirements are flexible and will be tailored to meet the needs, risk profiles, and requirements of individual transactions. Acceptable Property Types: Apartments Condominiums Office Retail Industrial Mixed-Use Hotels Loan Term: Typically 12 to 24 month interest only term, with extension options when appropriate. Loan to Value: 75% on most property types; 65% on special purpose and hotels Maximum Loan to Cost: 75% to 85% (up to 100% on pre-leased projects) Loan Structuring: Loans typically structured with holdbacks for funding of all renovation and/or construction costs, tenant improvements, leasing commissions, and interest carry until stabilization, with monthly draws as costs are incurred. Earnout Provisions: Earn out of up to 75% of the stabilized value funded upon achieving specified occupancy and NOI hurdles. Loan Pricing: 3.00% to 4.00% over six month LIBOR (interest only), plus Loan Fees of 2% to 4%. Liability: Loans are typically non-recourse, except for standard carve-outs. Speculative development projects will generally require completion and/or debt service guarantees. Closing Time Frame: Approximately 45 to 60 days. Quick closes available for time sensitive transactions Permanent Loan: Permanent takeout option offered with all construction / bridge loans. An Exit Fee of 1% is charged if the takeout is not elected. Nationwide Bridge Loan Financing $2,000,000 to $75,000,000 Program Guide Project Types: Interim financing used to complete a time sensitive transaction, to reposition or renovate existing properties, or to overcome temporary credit or property challenges that make the transaction unsuitable for traditional lenders. Virtually any income producing property, including retail, office, medical, apartments, industrial/flex or special purpose properties. The primary considerations for bridge loan financing are the LTV and a compelling exit (repayment) strategy. Loan Amounts: $2,000,000 - $75,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: Property conversion or renovation or other need Loan to Value: 50% to 90% depending on project specifics and deal strength Recourse: Typically, Yes. Interest Rate: As low as Prime + 1.5%, depending on transaction strength Loan Fees: Dependent on deal strength Term Sheet/LOI: 3-5 days from receipt of all requested information Funding: 10 to 45 days from acceptance of LOI OWNER USER PROPERTIES Conventional Loan Programs (Not SBA) Property Types ; - Office / medical - Restaurants - Industrial buildings - Auto related - Retail properties - gas station/C-store - Warehouse properties - other special purpose Loan Amounts: $1,000,000 - $30,000,000 Terms/Ams: 15/30, 20/20 and 25/25 (>$2 mil) Loan Types: ARM and Fixed rate loans for property acquisition, refinance and construction Loan to Value (LTV): * Multi-use properties: 85% LTV. To 100% LTV with Seller financing or other real estate equity as additional collateral. ** Special Purpose Properties: 65% - 75% LTV. To 85% LTV with Seller financing or other real estate equity as additional collateral. Recourse: Yes Loan Fees: 0 1 point, dependent of deal strength Interest Rates: Qtrly Adj: Prime to P + 1.5% 5 yr fixed: P + 1.0% 2.5% 10 yr fixed: P + 1.4% 2.8% 20 yr fixed: P + 1.75% - 3.25% 25 yr fixed: P + 1.85% - 3.45% Note: rates are subject to underwriting approval and may change without notice. Pre-Qualification: 72 hrs Commitment Letter: within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: - Seller carry may be permitted. - Construction loans: all interest and principal accrues during construction - Prepay Policy: 5/5/4/3/3 - Owner Occupancy: 25% minimum. Must have cash flow without rental income. OWNER USER / SINGLE TENANT Commercial Property Financing Available in all 50 states. We offer very aggressive rates to for Owner User Commercial properties where the Borrowers business is the primary tenant or there is a single credit tenant Lessee. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSES: Permanent financing for purchase, expansion or refinance with cash out. PROPERTY TYPES: Office, retail, wholesale, light industrial and Special Purpose Properties (lower LTV); restaurants, flagged hotels, auto & truck dealers, RV Parks, self storage, bowling alleys, funeral homes, etc. TERM and AM: 25 fully amortizing, no calls or balloons LOAN TO VALUE: Purchases: max 85% LTV on multi use properties, 65% max LTV on Special Use Properties Cash Out Refi: max 75% LTV, lower on Special Use Properties FIXED RATE TERMS: Fixed rate loans available for 5, 10 or 25 years INTEREST RATES 5 yr fixed: 5 yr US T SWAP + 2.50 AS LOW AS: 10 yr fixed: 10 yr US T SWAP + 2.55 25 yr fixed: 10 yr US T SWAP + 2.65 PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) Nationwide Commercial Real Estate Development Land, Construction, and Joint Venture Financing Program Guide Borrowers: Experienced investors and commercial developers with demonstrated track record comparable to current project. Project Types: Commercial, retail, office, industrial/flex, residential subdivision, planned communities, golf course communities, condominium and condo conversions. Rehab projects and Special Situation projects considered. Loan Amounts: $5,000,000 - $75,000,000 Terms: 12 to 36 months, or longer depending on project Amortization: Interest Only Use of Proceeds: Total project financing, debt or JV equity for land acquisition, refinance for infrastructure completion and vertical construction Loan to Cost: 50% to 100% depending on deal strength Interest Rates: As low as Prime + 1.5%, depending on deal strength Recourse: Typically, Yes. Non-recourse considered. Loan Fees: Dependent in deal strength Term Sheet/LOI: 3-5 days from receipt of all required information Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter. Faster as needed. Commercial Financing Matrix Property Types Ranches and Farms Gas Stations, Car Washes, Auto Related Hotel and Motels Industrial Unimproved Land Golf Courses, RV Parks, Marinas Hospitals, Clinics, Assisted Living Mixed Use Property Mobile Home Parks Apartment Buildings Office Buildings and Parks Industrial Parks Office Condominiums Owner Occupied Businesses Parking Lots Self Storage Single Tenant Buildings Sports Related Buildings and Complexes Prisons, Jails, and Juvenile Correction Centers | Condominium Conversion / Construction loans | Casinos and Convention Centers Loan Types Acquisition and Development Bond Bridge Loans Business Loans Construction Equity Second Mortgages Foreclosure Avoidance Forward Commitments Joint Ventures Mezzanine Non-Recourse Notes Purchased Remodel / Renovation SBA 504, 7A Loans Loan amounts: $1,000,000 to $350,000,000 International financing for all types of real estate, business and energy related projects. Financing for power plants, ethanol plants, wind mills, casinos. Financing for mergers and acquisitions of successful real estate and business organizations. International financing can be for business expansions, residential and commercial development projects in loan amounts of $20,000,000 and above. Financing for prisons, jails and juvenile correction centers are intended for private sector companies that have been awarded federal, state or local governmental contracts to perform these services. If there are any questions, please contact us . Click here for Commercial Loan Submission Form, please complete ande-mail or fax back to us at 212-208-3069 so we can review your project (in Word). or in Adobe Acrobat format Equipment Financing / Leasing Program - PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format Equipment Leasing Qualifications : Financing available for business purposes only. No part of any funds can be used for personal purposes, separate business banking account and company must be registered with city and state government. Customer minimum 2 years in business, start ups and businesses established less than 2 years can be considered but personal credit of guarantors will be more critical Bank account open for at least two years and handled in a satisfactory manner, again less than 2 years can be considered with compensating factors Credit previously established for at least one year with a satisfactory payment history in the form of a lease, loan or trade agreement. If no prior credit maximum lease amount may be restricted Up to $50 million available with approval of completed application. Application only types of leases up to 150,000 with exceptional credit otherwise financial statements, tax returns and completed application Mortgage Cap Financial specializes in the following transactions: All Types of Equipment Non-Rated Credits Various End-of-Lease Options Available Purchase Single Transactions and Portfolios Profitable Companies, Minimum 2 Years in Business, start up and companies that are not profitable must have compensating factors such as additional collateral and/or personal guarantors Domestic and International equipment financing Why Lease? It's simple: leasing can be more cost-effective than buying with cash, or with conventional loans -- especially if the new equipment can help increase sales or profits. And here's why: Leasing conserves your working capital. You can finance up to 100% of the equipment cost, with no money down. Leasing won't sap your business credit. In many cases, you can continue to use your existing lines of credit while leasing. Fixed payments. Your monthly payments remain the same, no matter what happens to conventional interest rates. Tax savings. Lease payments can be operating expenses that come out of pre-tax earnings. Eliminate obsolescence. With an outright purchase, you 'own' that equipment, even if it is already outdated by newer technology. A lease can be structured to terminate when the equipment becomes obsolete. Flexible Terms and Conditions. Leases can be adjusted to your needs. Options include seasonal payment skips, step-up or step-down payments, monthly, quarterly, or annual payments. Simple accounting. A lease payment is typically a line-item expense that doesn't increase your liabilities on your balance sheet. If you don't see your equipment on this list, we still should be able to lease it. Most equipment can be leased. Vendors of equipment and customers wanting to lease equipment, if you need a down payment at the time of your order we can work out special terms. PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format A AC's Aerial Lifts Air Cleaning System Air Compressor Air Conditioners Air Filter System Air Purification Alarm Alignment Machines Amusement Analytical Equipment Analyzer ATM Cash Dispenser Audio Video Audio Visual Automotive B Backhoe Bagging Machines Bakers Equipment Balers Beauty Equipment Beds, Bedding Beer Systems Beverage Dispenser Blast Cleaning Blowers Boilers Bowling Lockers Brake lathes Breathalyzer Machine Broadcasting Studio Equipment Buffer Bulk Storage Tanks Bulldozers C Cameras Car Wash Carpet Cleaner Carts Cash Register Chairs Chipper Cleaning Equipment Clothes Press Coffee Carts Coffee Maker Coin Changer Coin Laundry Equipment Color Matching System Color Mixer Computers Compressors Compactors Concrete Pump Concentrators Construction Machinery Containers Conveyers Coolers Cooling Cranes Cutting Tools D Data projector Deli Case Dental Equipment Diagnostic Equipment Digital Systems Dishwashers Dispatch Equipment Display Case Draft Box Dry Clean Press Dry Cleaning Dryer E Emergency Vehicles Engraving Equipment Excavators Espresso Machine F Fax Machines Filing Equipment Film processors Fixture Floor Machines Flower Coolers Food Preparation Food Service Equipment Forklifts Franchise Programs Frame Machine Freezer Frozen Cocktail Machine Fryer Furniture G Gas Pump Graphic Equipment H Heat Pump Heaters Heating Hospital Beds Hydraulic Submersible Pumps I Ice Cream Machine Ice Machine Ice Makers Imaging Systems Industrial Systems Inventory Control Systems Ironworkers Equipment J Janitorial Juke Box K Kiosks Kitchen Equipment L Laptops Laser Engraving Laser Systems Laundry Equipment Lawn Equipment Lifts Lighting Lock Systems Logging equipment M Machine Analyzer Mail Boxes Medical equipment Medical Imaging Merchandising Unites Microwaves Milling Machine Mobile Communications Mobile Phones N Navigational Equipment O Office Furniture Organs Oven Overhead Cranes Oxygen Concentrators P Packaging Systems Packer Bodies Pagers Paint Booths Paint Mixer Pallet Equipment Petroleum Gas Station Phone Systems Photography Equipment Piano Pizza Oven Plotter Pneumatic Tube Systems Point of Sales Portable Pumps Portable Trade Show Exhibits Prep Table Press Pressure Washer Printing Equipment Pump Systems Push Carts R Radios Range Recovery Equipment Recycling Equipment Refrigeration Register Rehabilitation Equipment Restaurant Equipment Retail Units Roll Offs Router Tool System S Salon equipment Sandwich Prep Table Satellite Dish Saws School Buses Screen Printing Equipment Security Systems Sewing Machines Signs Silk Screen Equipment Shrink Wrap & Packaging Skid steer Loaders Slicer Smart Dialers Smoker Snack Machine Snow Board Press Soda Machine Software Sound & Music Equipment Special Industrial Equipment Spray Systems Steam Cleaners Steel Pallets Store Fixtures Stove Sub Maker Surface doctor Equipment Surveillance Systems T Telephone Systems Television Systems Test Equipment Tire Equipment Tools Tractors Trailers Transportation Treatment Tables Trenching Machines Trucks Tub Grinders Two Way Radio Systems TV V Vacuum Valve Equipment Van Vehicle Monitor Equipment Vending Machines Video Security Voice Mail W Walk In Cooler Warehouse Rack Systems Washer/ Dryer Waste Equipment Waste Oil Heaters Water Conditioner Water Filter Water Softener Welder Woodworking Work Platforms Wrecker X X-ray Equipment Y Yogurt Machine Loan Types Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format PHONE: 212-631-4272 FAX: 212-208-3069 Loans provided are only for business and investment purposes. Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request. Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes. Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation. The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial. web site: http://www.commercialfinancing.com Please bookmark this site for future reference. Legal Notice Last update 01/01/2006. Site created 11/27/98. Web Site designed and maintained by Able Al'sComputer Help . (c)1998-2006 Mortgage Cap Financial. Allrights reserved. capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture

Florida real estate property

Sarasota Florida real estate - Bob Henley REMAX Properties Each Office Independently Owned & Operated 2000 Webber Street, Sarasota, FL 34239 Send Me an E-Mail Come Visit Sarasota With Me Office: Home Ofc: Cell Phone: Toll-Free: (941) 954-5454 (941) 966-9641 (941) 724-3352 (800) 966-2334 Find your perfect golf or waterfront Sarasota Florida real estate property in the Sarasota paradise of white sand and delightful golf courses with the help of an experienced Sarasota Florida real estate professional from REMAX Properties. Whether you are a first time buyer or an experienced investor, you will find useful Sarasota real estate information on choosing the "right" property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed Sarasota real estate decision in today's market. Search here for Sarasota Florida real estate and Bradenton Florida real estate. Search the sarasota Bradenton MLS database for golf course or waterfront homes & condos throughout the Sarasota FL area. Sarasota and Bradenton real estate listings are updated daily. As your dedicated Sarasota Realtor®, I'll help you buy or sell real estate in Sarasota, Siesta Key, Longboat Key, Osprey or Venice Florida to your complete satisfaction. Check my "Client Testimonials" page for referrals. [ Search for Homes ] [ Visitor's Guide to Sarasota Area ] [ Meet Bob Henley ] [ Home Buyer Info ] [ Home Seller Info ] [ Request Info ] [ Client Testimonials ] [ Learn About Real Estate ] [ Home Buyer Consumer Info ] [ Sarasota Area Golf Courses ] [ Site Map ] This website visited DSL Internet Service times since October 15, 2003 This Sarasota real estate website best viewed with a "frames enabled" browser. Sarasota real estate information provided here is thought to be accurate and timely but is not warranted. © 2003 - 2005 All names & logos are the property of their respective owners. All Rights Reserved. Click below to vote for this site as a Starting Point Hot Site. This website recognized as superior by Sarasota real estate website design by BerStan Web Creations Proud member of Int'l Real Estate Directory Other Real Estate Resources Real Estate Resource Directory Real Estate Resources AL - AR Real Estate Resources - CA Real Estate Resources CO - DE Real Estate Resources FL - GA Real Estate Resources HI - MO Real Estate Resources MN - SC Real Estate Resources SD - WY Real Estate Resources - Mortgage & Int'l Other Real Estate Resources & Services Reals.com Florida Realtors Link Partners.com National REALTOR Directory Real-Estate-Agents.com Scottsdale & Phoenix Real Estate Connection Relocation Referral Network InternetRealtyNetwork.com

Selling Home

FCIC: Selling a Home Return to Federal Citizen Information Center Home Page Printer-friendly page -- Life Advice About... Selling A Home This Life Advice section about Home Improvement was produced by the MetLife Consumer Education Center reviewed by the Real Estate Educators Association and the U.S.D.A. Cooperative Research, Education and Extension Service. If you've decided to sell your home, chances are you're caught up in a host of emotions. You may be looking forward to moving up to a new dream house or facing the uncertainty of a major move across country. You may be reluctant to leave your memories behind or eager to start new adventures. Whatever turbulent feelings you're experiencing right now, there are plenty of practical matters that need your attention. Keep in mind the following considerations to help the whole process go more smoothly. Time Becomes Money It's a good idea to place your home on the market as far in advance as possible of purchasing a new one. If you find a new home first and then try to sell your present home, you may wind up with two mortgages. If this does happen, ask your real estate agent or banker about a bridge loan to help you make the double payments. Lenders use the same criteria for offering bridge loans as they use for mortgages. Should you qualify for a bridge loan, beware of the expense; during the term of the loan you must continue to pay both mortgages. Shop around for the best terms. Keep in mind that when people move, sell and buy, there usually is a domino effect. Closing and moving dates have to be coordinated, and the more firmly everyone commits to a window of dates and sticks to them, the better for all involved. Put all agreements about dates in writing, and protect yourself by negotiating financial penalties for failure to comply. Check Your Curb Appeal A home that's visually appealing and in good condition will attract potential buyers driving down the street. Use this checklist to view your property through an outsider's eyes. Are the lawn and shrubs well maintained? Are there cracks in the foundation or walkways? Does the driveway need resurfacing? Are the gutters, chimney and walls in good condition? Do the window casings, shutters, siding or doors need painting? Are garbage and debris stored out of sight? Are lawn mowers and hoses preperly stored? Is the garage door closed? On the Inside Strong curb appeal will lure potential buyers inside, where you have to live up to their expectations. Fortunately, there are plenty of easy improvements you can make to your home's interior without spending a lot of money. Cleaning is No. 1. Your windows, floors and bathroom tiles should sparkle. Make sure you have clean heating and air conditioning filters. Shampoo dirty carpets, clean tubs and showers, repair dripping faucets and oil squeaky doors. Keep your home neat, clean and picked-up at all times. It may not seem fair, but a peek in the oven may be the hallmark by which a buyer judges how well you have kept up your home. Remove unnecessary clutter from the garage, basement, attic, closets and straighten stored items. Also remove any items that might make a statement that would be offensive to others who may not share your same views, beliefs or sense of humor. If your home is crowded with too much furniture, consider putting some things into storage. If a room needs a fresh coat of paint, use a neutral off-white. Think, too, about how your home smells. You may be used to the smell of a pet or cigarettes, but such odors can be a strong turn-off to others. Be certain to remove valuables such as jewelry and other items from view. It might be wise to put these items in a safe deposit box before showing your home. Finally, set a mood for the buyer. Make your house homey with live flowers and fresh guest towels in the bathroom. Place scented potpourri around the house or, on the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls into the oven for a welcoming aroma. Remember, cosmetic changes do not have to be expensive. In fact, costly home improvements do not necessarily offer a good return on your investment when you sell. It's attention to the basics—anything that says “this home has been carefully maintained”—that will help you get the price you want. Go It Alone Some homeowners decide to sell their homes themselves in order to save the commission charged by a real estate agent. The commission rate may vary, depending on where you live or what agency you choose, but it is generally upwards of 5%. However, handling your own sale means you will be responsible for placing ads, answering phones and showing your home to strangers. What's more, buyers who know you are saving on an agent's commission may offer less for your home, wiping out the financial incentive to do it all yourself. You may decide an agent's commission is a bargain the first time that a would-be buyer shows up unannounced at dinnertime. Also, be aware that a real estate agent probably knows a lot more about the business of selling a home than you do. Here are some of the advantages professional agents offer: They will help you establish a fair asking price for your home. They will promote your home to other agents and list your property in multiple listing services. A multiple listing service is a book or computer database that all real estate agents who subscribe to the service can access. Your home will get exposure to all those agents, one of whom may have the perfect buyer. They will create, pay for and place advertising for you. They will schedule appointments to show your home to prospective buyers even when you are not there. They can weed out buyers who will not qualify for a mortgage. They can refer you to sources for insurance, inspections, legal counsel and financing. They will help you negotiate with the buyer. They can make suggestions to help make your home more attractive to a potential buyer. If you decide to sell through an agent, ask friends and neighbors for recommendations. Talk to several agents before picking the one you want to work with. Taking a walk through your home with an agent should give you a feel for how that person will handle prospective buyers. Ask prospective agents how they plan to market your home. Don't sign with an agent just because he or she suggests the highest asking price. Negotiate the broker's commission prior to listing your home, and sign for a limited period of time—usually three to six months. Setting a Fair Price Naturally, you want to get top dollar for your home. But, at the same time, you don't want to scare off potential buyers with a price tag that's too high. Setting an artificially high price may cause your property to languish on the market for months. Reducing your asking price later on may lead buyers to wonder if there is something wrong with your home. Here are some of the factors to consider in pricing your home. Your location Economic conditions Supply and demand in the local housing market Seasonal influences Local schools Average home prices in the neighborhood Your home's extras -- pool, fireplace, central air, etc. To determine the value of your home, you probably will want the advice of a real estate agent or appraiser. Ask an agent to prepare a market analysis for you, showing the recent selling prices of three neighborhood properties comparable to your own. The agent can help you adjust for the unique features of your own property. Qualifying a Buyer Either you or your agent will want to quickly weed out potential buyers who cannot really afford to purchase your home. A number of factors will help determine whether or not you are wasting your time negotiating a sale. The buyer's debt and credit history The buyer's current income and employment The buyer's cash position and availability of a down payment The length of time the buyer needs before closing on your home How interested the buyer appears to be in your home versus others Seek Legal Representation When selling your home—particularly if you are selling on your own—it's a good idea to be represented by an attorney. Look for an attorney with expertise in real estate transactions. When a potential buyer puts an offer in writing and you accept it, the signed acceptance becomes the sales contract. Your attorney will be present at the actual closing to protect your interests and can assist you with the following elements of a sales contract: The sale price What is included in the sale price -- draperies, carpeting, light fixtures, heating oil, etc. The amount of the down payment The date of closing and possession date Contingencies to the sale--inspections (e.g. structural, lead-based paint, radon), required improvements, legal review of the contract by the buyer's or seller's attorney, etc. The amount and length of the mortgage loan, interest rate and time limits to secure the loan Determining which closing costs are to be paid by the buyer and which by the seller Tax Implications Selling a home can have a major impact on your federal and state tax returns. Check with your tax consultant on the factors that may affect taxes resulting from the sale of your home. For example: Whether you purchased the home or acquired it by gift or inheritance Whether you used your home partly for business or rental Costs associated with selling your home Home improvements or additions, which may help to offset capital gains The sale of your home. In certain cases you can exclude up to $250,000 in gain ($500,000 for married couples filing a joint return) on the sale of property that was your principle residence for at least two years. Generally, you can use this exclusion every two years. Congratulations! You've successfully weathered the logistics of selling your current home, and you're ready to move on to a new and exciting chapter in your life.As you prepare for the coming changes, check out the Life Advice sections Moving and Buying a Home to aid you in this transition. For More Information 100 Questions Every Home Seller Should Ask Ilyce R. Glink, Times Books $14 Life Advice price $11.20 Call 1-800-793-2665 to order and mention reference number 032-02. Price and availability subject to change without notice. The American Bar Association Family Legal Guide Times Books$34.50 Life Advice price $28 Call 1-800-793-2665 to order and mention reference number 032-04. Price andavailability subject to change without notice. How to Sell Your Home in 5 Days William G. Effros, Workman Publishing $14.95 Life Advice price $8.97 The Consumer Bible, 1001 Ways to Shop Smart Mark Green, Workman Publishing $14.95 Life Advice price $8.97 Tips and Traps When Selling a Home Robert Irwin, McGraw-Hill $12.95 PAMPHLETS FROM THE FEDERAL GOVERNMENT The quarterly Consumer Information Center Catalog lists more than 200 helpful federal publications. For your free copy write Consumer Information Catalog, Pueblo, CO 81009, call 1-888/8-PUEBLO, or find the catalog on the Net at www.pueblo.gsa.gov . A Home for You and Your Family Publication Series, North Carolina Cooperative Extension Service, Housing & House Furnishings, Box 7605, Raleigh, NC, 27695-7605 (single copies free). Also contact the Extension Service office listed in the white pages of your phone book. Related Life Advice pamphlets See the following related Life Advice pamphlets: Buying a Home, Moving, Home Improvement, Homeowners Insurance, Renting an Apartment, Enjoying Retirement and When Your Children Leave the Nest. Helpful Links HomeWEB You'll find consumer information on selling a home from this comprehensive real estate and relocation source. Topics include info on real estate agents, marketing your home, financing & mortgages, sales contracts, pricing your home and more. Basically, this is a great place to start, if you're thinking about selling your home. Audrie's Advice Audrie provides a complete check-list for selling your home without an agent and thereby retaining all the profit for yourself. SellYourHomeYourself.com SellYourHomeYourself.Com is a unique site that helps the For Sale By Owner seller save money. On this FSBO web site you'll find all the resources you need to sell a home yourself. * Because the content of newsgroups and Websites changes constantly, it is impossible for us to review it all. We are not responsible for the content of any of the above links. Return to Federal Citizen Information Center Home Page Printer-friendly page --