Commercial

      Commercial loans
      97% financing with documented income.
      85% no tax returns.

     Program Benefits:
     Longer terms and faster closings
     Secondary Financing allowed

    Program Highlights:
    Focus on credit and income rather than property cash-flow
    Residential-style underwriting
    Unlimited cash-out refinancing

    Credit Requirement:
    Credit scores of 680+, but can go as low as 580

    Eligible Property Types:
    Multifamily (5 + units) - Mixed Use - Office buildings - Retail - Warehouse - Self Storage-
    Mobile Home Park - Light Industrial - Automotive - Day Care - Bed & Breakfast - Restaurant/Bar

   Types of Financing:
   6-month adjustable
   2, 3, 5 and 7-year fixed, then adjustable
   Declining fixed rate

   Loan Terms:
   15, 20 and 30-year fully amortizing loans

   Commercial Direct Advantage:
   No loan committees
   No ongoing financial reporting or covenants
   No limit on loans to single borrower
   No reliance on property cash-flow for mortgage approval
   No deposits required
   Assumable loans at no cost