Loan Philosophy
Our loan philosophy and policies are based around a “common sense” approach to lending. While simple, this approach requires us to know our clients, understand their credit needs and be much more than just an answer to a single transaction for our clients. We will use every opportunity to earn your trust and become the solution for your everyday banking needs.
Commercial Term Mortgages
Property Types
- Multi-Family Experts – Includes B & C Grade Properties
- Owner-Occupied
- Multi or Single Tenant Office
- Commercial/Industrial/Warehouse
- Mixed Use
- Retail
|
Features & Basic Requirements
- 1031 Exchange Specialists – Ability to meet tight time deadlines
- Interim and Mini-Perm Terms Available
- Competitive Fixed and Floating Rates
|
Business Loans
Line/Loan Types
- Working Capital Lines
- Equipment Loans
- Other Loans, as Applicable
|
Features & Basic Requirements
- Fixed or Variable Rates
- Draw and Repayment Flexibility
- Advance Rates Based on Purpose and Collateral Type
- Loan Terms Generally Not To Exceed 5 Years
|
Construction Loans
Property Types
- Multi-Family Experts – Includes B & C Grade Properties
- Owner-Occupied
- Multi or Single Tenant Office
- Commercial/Industrial/Warehouse
- Mixed Use
- Retail
|
Features & Basic Requirements
- Flexible Terms to Accommodate Unique Project Needs
- Automatic Conversion to Permanent Loan From Construction To Save Time and Expense
- Maximum Loan-To-Cost and Loan-To-Value Based on Property Type
- Owner-Occupied, Investors, Builders and Developers Eligible
|