1. EXPERIENCE. We are in Texas and have been in the business of closing Texas commercial loans since 1998. We have closed thousands of Texas loans and we know the Texas real estate laws that can prevent your loan from closing on time.
2. We have pretty much seen everything by now and have a work around or private money available.
3. We have many long term relationships with small and private Banks and wealthy investors that have unique programs that most people would never find out about. We are both a lender and broker so we have the best of both worlds available for our clients.
4. We are on most Bank, hedge fund, life insurance, CMBS, private and hard money lenders marketing list by being in business for so many years. We get pricing updates several times per day in our automated system so we know when to lock your loan potentially saving you thousands of dollars.
5. Chances are that if your Bank has a wholesale department, (many do) we can get the money cheaper than you can from your own Bank! You are “retail” and we are “wholesale”, just like any other business.
6. You will spend much, much time on this and we usually only charge a point or two. We will save you much money in time and frustration. Your Bank will charge 1-2 points plus many junk fees if you go direct and then you get to deal with a loan officer that is busy opening new checking accounts in the lobby of the Bank. FUN. We deal direct with Underwriting. A Realtor charges 6 points so we are a great deal.
7. We have seen many, many changes in the last few years and we are still here where many of our competitors are not. We have a very strong pull through ratio so we have never lost a lender or Bank. Many borrowers screw up the application process and get turned down or they do not get the best deal that was available due to inexperience and not knowing “the game”.
8. Call us if you are having trouble getting your loan closed or if you have a unique situation. We typically have the lowest rate and we do not add upfront or junk fees.
9. All third party fees are escrowed in a title company so you know your money is safe unlike many upfront fee company scams.
10. We specialize in Texas commercial mortgage loans. We also have stated income and assets and no doc private money and hard money loans starting at 7%.
Call us if you are having trouble getting your loan closed or if you have a unique situation. We typically have the lowest rate and we do not add upfront or junk fees. All third party fees are escrowed in a title company so you know your money is safe unlike many upfront fee companies.