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By: Scarlett Kinsela

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Monday, 10-Dec-2012 05:53 Email | Share | | Bookmark
Commercial Mortgages 101- A Review For New Investors

A mortgage is a way of using the inherent value of your existing or incoming non-liquid (non-cash) assets as a guarantee that you’ve got the means to pay a loan, instead of having to present only cash savings as proof. In personal home mortgages, for instance, a bank will lend you the money you need to buy the house you want, with that actual house or rather, its perceived resale value, as the guarantee. And if you fail to pay that loan in the future, you’ll face what’s called a “foreclosure” and lose the house.

But mortgages aren’t just for personal loans for buying homes. There are also commercial real estate loans for small to medium businesses and corporations, which are frequently in the form of a mortgage.

Fastest Way to Get a Loan

If you already own a small business or have started your own company, getting a commercial loan is relatively straightforward: make an appointment with a bank or financial group, and an agent processes that loan for you.

But the fastest way, however, is to go to your own bank or your company’s bank. The bank you currently have an account with already has a record of your financial background, and will require less paperwork from you. Even better, they may be more generous with an existing client. You can get a bigger loan than you would at any other institution, at less collateral.

If you’re just starting your business, be prepared with detailed proof of the value of your company, prior to getting that loan. But don’t worry too much; there are banks and lending institutions that have experience in assessing the potential value of a new business, and would be able to give you the loan you need to begin operations.

Of course, it’s even a lot easier and faster to get a loan if your company or business isn’t the new kid on the block. Banks and financial companies give a little less scrutiny to small-to-medium enterprises that have already been running for at least a few years.

When Commercial Mortgage Loans Make Sense

Whether you’re starting out or are already running one, there are right—and wrong—times and ways to get such a loan.

Get a loan for your business expansion only when, after assessing opportunities and risks, it makes more sense to borrow money now rather than wait until you’ve got enough profits to finance the expansion.

You’ll also need to consider the way your mortgage loan is set up. Get the financial product with the lowest interest rate, considering the bank or lender’s added percentage on top of what you already owe. You must also watch out for those tricky “processing fees” banks or financial companies charge; make sure your lending bank or group has low processing fees.

After making careful considerations, you’ll find that most of the time, opting for a commercial mortgage loan may just be the one thing that can save and make your business grow!

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Saturday, 10-Nov-2012 02:25 Email | Share | | Bookmark
Is Your Bridge Loan a “Bridge to Nowhere”?

If you are considering stepping into the real estate market, either to both buy a new home and sell your current home, or to try your hand at buying homes in disarray, remodeling, and reselling, then you may need a certain type of loan, or more than one, to offset remodeling and other costs related to your endeavor. Before you begin pursuing such loans, it’s important you understand what it is you are taking on and exactly what type of loans you may need to take out. There are two types of loans common to this type of industry, bridge loans and rehab loans, usually obtained from hard money lenders.

A bridge loan is used during an interim time when you need cash flow immediately but may not yet have access to a more permanent financing solution. Bridge loans are used by both individual people and businesses and can be tailored to your needs. The way a bridge loan works, for example, is when you expect to have a larger loan, or financing, but it will not be secured for several more months. While waiting for that money to come through you still have outstanding debts and costs happening now that need immediate solutions. A bridge loan covers this situation by providing you with the cash flow you need to cover costs until the other is secured. This situation happens often in the real estate market in the time between the sale of one home and the purchase of another.

A rehab loan is used mostly in the remodeling of a home or some other type of structure. You can get a rehab loan from a traditional money lender and usually more easily than a bridge loan because these types of loans are most often times insured by the government. The government views this type of loan as a promising investment into bringing up property values in neighborhoods that may have experienced decline. To qualify for a rehab loan, the potential borrower must be able to pass an intensive credit check and have collateral that is acceptable to the lender, usually other property.

So, to bring it all together, what this means is if you are interested in buying a home while also trying to sell a home or you are interested in the idea of flipping a house (meaning to buy it, remodel it, and resale for profit), a bridge loan can help you with immediate cash flow while you await a more long term financing option. A rehab loan will help you with funds to remodel the home or even to finish purchasing the home with an extra amount of money provided for that option. It requires a good deal of credit and collateral to undertake either type of loan and it is very important that no loan be accepted lightly. Speaking with a lender beforehand will enable you to understand the process of loan and repayment more fully, as well as the penalties associated with a missed payment or default.

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Saturday, 20-Oct-2012 04:03 Email | Share | | Bookmark
Buying notes; A perfect deal to make bucks

The real estate game is still at one of its most competitive environments ever. While the last few years have seen the economy and even the real estate market start to recover, it can still be hard to stay ahead in the field, whether you're a lender, an agent, or anything in between. There are plenty of different options out there, and for many now is still one of the best times to look for notes for sale. With the market slowly recovering, buying now could reward you big in the future. It's not something everyone will want to do, but it's certainly something worth looking into.

If you're planning on buying notes you'll still want to keep a few things in mind. It's not something you should do if you're not willing to spend a bit of time researching the different variables and making sure you're making a smart purchase. For starters, avoid any websites that seem to be high-pressure. Buying notes online is a great way to find good prospects, but you need to be sure that you don't make the mistake of using the wrong ones. Doing so could cost you thousands and make you regret ever thinking of buying notes.

Look for a trustworthy site that is professional. Take a few minutes to research its history and then pay very close attention to its policies. Some may expect you to make a purchase within a certain timespan or require immediate participation. You need to find sites that actually allow you to take the time to do your research and make decisions without pressuring you into them. Also try to find sites that offer fair rates on their sales and that don't just list blind listings that you essentially have to gamble on when you make a purchase. In other words, look for a site you feel you can trust.

It doesn't matter what kind of notes you're looking for, whether you want residential ones are looking for commercial real estate loans. When you find a source of notes that you can trust everyone wins. They'll get your repeat business and you'll get the exact notes that work for you and your company. Simply put, take the time to do some research and you should have no problem at all finding exactly what you need. Investing now is the best way to ensure your future success, so don't ignore the opportunities.
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Thursday, 13-Sep-2012 07:01 Email | Share | | Bookmark
Commercial Mortgage Lender – Getting Help for your Business

There's no question that the American economy relies heavily on loans in order to move forward. It's also true that businesses of any size are the backbone of the economy. But those who are starting a business, trying to help their current business evolve, or are planning a sudden deal for their company will all find that they need help with financing from time to time. A commercial mortgage lender is generally the best option for those who are facing the need for cash, no matter what the exact purpose of it is. They've been relied on for years to help businesses move forward.

Basically, these lenders extend loans that are structured just like a personal mortgage on a home, only designed for businesses and commercial property. In these loans the collateral used to secure the loan is commercial real estate or property and generally if a default occurs the company that takes out the loan will lose the property but not the actual business itself. Terms will vary and it's important for any company to make an arrangement after they've fully reviewed all of the specifics of the loan including interest rates, terms, penalties, and more. Like any business move, research prior to the deal is vital.

In some cases a company will likely find that they need to find a lender that provides bridge loans. These are generally used in the business world as well although in rare cases an individual may need to utilize one also. These types of loans are short term loans that are usually repaid within a matter of two or three weeks. Interest rates are normally ten to fifteen percent, and the loan can be extended to one year in some cases or maybe longer. But generally they're designed to be short term stopgap loans that make it possible to close deals quickly.

For instance, if a company finds a property that is on the market but needs to close on it quickly, they can secure one of these loans and close the deal, then go through the longer and more time-consuming process of securing a traditional loan. There is less red tape involved in these short-term loans and as such they can be obtained quickly and are invaluable for those who are involved in business. No matter the type of loan that you need, finding the right lender is important. Take your time and research your options and you'll find the one that's right for you.

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Wednesday, 29-Aug-2012 00:41 Email | Share | | Bookmark
Commercial Mortgage Lending- What You Should Know

Mortgages are tricky business. When it comes to commercial mortgage lending, things can get even more difficult if you're not aware of what you are getting into. When you are doing a commercial mortgage, it is similar to a residential mortgage where the lender controls the property and the title while the owner pays off the note over the years. Ultimately, this mortgage is designed to help business owners own the buildings that they operate in. While many companies are content with leasing, some prefer or have a need to actually own their business.

Commercial lenders are always looking for notes for sale, allowing them to buy commercial mortgages and retain ownership over them to increase their assets. In the world of commercial mortgage lending, there are different rules for different types of businesses. For example, if a sole owner is late, their assets can be seized, including personal assets unless there is an exclusion in the note that limits this capability. If there is a partnership, the liabilities extend to everyone that is involved and their level of responsibility depends on their level of investment. If things are set up under the business's name, the business is held accountable for the loan.

Commercial mortgage lending is a little complicated, but it's nothing to sweat when you have so many resources to help you learn all about the business. Companies are consistently looking for notes for sale in the commercial lending industry so that they can help others out and make a profit doing it. There are a lot of different securities or 'collateral' that can be used in a commercial loan, when it is required. This isn't always a stipulation, however, so you will have to check with the lender to see what is required.

Mortgage lending isn't easy to understand and commercial loans are often more complex. However, if you are involved in the world of commercial mortgage lending or you are trying to be, you have to do your homework. Make sure that you learn about these commercial loans and how they work so that you are prepared for whatever you are getting into. Use the internet to get to know commercial lending solutions and how they can help your business. It's all about getting the help that you need and with more knowledge, you'll have better odds of success in the commercial mortgage world.

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