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We lend on commercial properties nationwide. We lend on multifamily, muti-tenant retail, NNN single tenant retail, industrial, hotel, gas stations, and other special purpose/mixed use property types. The most common type of commercial loan option is the traditional 5, 7, and 10 year fixed-rate mortgage which includes monthly principal and interest payments which never change during the loan’s lifetime.
We offer small business loans to clients who are looking to expand their business or purchase a property for their business. We offer fixed rate SBA 7a and 504 loans. These loans are all fully amortized meaning there is no balloon payment. In other words the loan will not come due before the maturity date. The loan will be fully paid off at the end of the loan term.
Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.
Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.
Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.
What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.
Address:3200 E Guasti Rd. Suite# 100
Ontario, CA 91761
Fax: (888) 958-6415
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