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Hunt Mortgage Group

Mortgages For Commercial Property

Commercial Mortgages are for debtors looking to obtain property, aide with a construction loan, or used for a borrowed loan to build commercial property. Such commercial properties for obtaining a mortgage include: office buildings, industrial complexes, apartment complexes, shopping centers, hotels, resorts, parking garages and any other commercial property. When seeking a mortgage for commercial property creditors will use this property as collateral.

Obtaining A Mortgage For Commercial Property

The experts at Hunt Mortgage Group can help simplify the mortgage process and help clients better understand the financial factors that ultimately determine a lenders decision.

  • Credit Check- Commercial properties are typically more expensive; therefore strict guidelines apply including documentation of income and assets and detailed credit history. In order to claim property for the owner’s business, borrowers will need to show proof of profitability.
  • Property Appraisal- This is used to determine the market of each property and property value, thus businesses must inform the lender of the correct amount of money to loan.
  • Down Payment- Contrary to a residential loan, commercial properties require a minimum down payment of 20%, with an average down payment of 30-45% of the price.
  • Debt Service Coverage Ratio- This is the amount creditors determine the debtor can pay on their loan each month. A typical ratio is between a 1:1 and 1.4.

Hunt Mortgage Group provides quality standard and precision in lending mortgages for commercial property loans throughout the U.S. including cities such as Los Angeles, CA, Fort Lauderdale, FL, Cleveland, OH, San Raphael, CA, Tyson’s Corner, VA, Seattle, WA among more. Having more than 40 years of industry insight, the experts at Hunt harness the know how to best advise clients throughout the entire commercial mortgage process. Contact Hunt today regarding a commercial mortgage!

  • Fannie Mae ProductsAs a Fannie Mae DUS™ lender, we offer fixed or floating rate financing for acquisition, refinancing and moderate rehabilitation. Terms range from 5 years to 30 years and may be fully amortizing, or contain partial or full interest-only options. Through these programs we offer first mortgage financing and subsequent supplemental (subordinate) financing and/or substitution of single assets.
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    Permanent Financing Solutions

    Eligible Property Types

    Fannie Mae Multiple Asset Transactions/Negotiated Pools

    • Credit facility
    • Bulk Delivery/MATS
    • Negotiated Pools

    Rate-options & Features*

    • Fixed Rate Mortgage Loans
    • Structured Adjustable Rate Mortgage loans
    • Streamline Rate lock and Early Rate Lock

    * The rate options and features listed above are available for the majority of Fannie Mae’s permanent financing executions, eligible property types, and multiple asset transactions.  Please contact your local regional office for further details.

  • Freddie Mac ProductsAs a Freddie Mac Program Plus™ seller/servicer, Hunt Mortgage Group offers financing for fixed and adjustable rate conventional and affordable mortgage products. We provide financing for the acquisition or refinancing of stabilized properties, and also offer specialized programs for recently completed properties in lease-up and value-add acquisitions needing shorter term financing. Terms typically range from 5 years to 30 years and may be fully amortizing or contain partial or full (interest-only) options. Through this program we offer first mortgage financing and subsequent supplemental (subordinate) financing.
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    Freddie Mac Mortgage Program Offerings

    Eligible Property Types

    Structured Financing Solutions

    • Revolving Credit facility
    • Single Sponsor CME Execution

    Rate-options & Features*

    *The rate options and features listed above are available for the majority of Freddie Mac Mortgage Program offerings, Eligible Property Types, and Structured Financing Solutions. Please contact your local regional office further details.

  • Federal Housing Administration (FHA) ProductsMultifamily Accelerated Processing (MAP) is a national fast-track processing system for the FHA multifamily mortgage insurance programs. As an approved FHA MAP lender, Hunt Mortgage Group is responsible for preparation of most documents required for an application for mortgage insurance and for making a recommendation to the HUD field offices based upon Hunt Mortgage Group’s processing and underwriting.↓ See All Products & Details

    Federal Housing Administration (FHA) Mortgage Insurance Origination

    • Loan Types: New Construction, Substantial Rehabilitation, Refinance, and Acquisition
    • Term: Up to 40 years
    • Interest Rates: Fixed rate
    • Spread: Market
    • Amortization: Up to 40 years
    • Prepayment: Fixed step-down prepayment structure
    • Pledge: First mortgage
    • Fees: Market
    • Recourse: Non-recourse except for customary environmental, malfeasance and fraud carve-outs.
    • Reserves: Taxes and insurance; replacement reserves.
    • Loan Costs: Borrower is responsible for all legal and third-party fees.
  • Proprietary Lending ProductsHunt Mortgage Group provides propriety fixed and floating financing for multifamily and commercial properties. Our bridge lending program is designed for those seeking interim financing for rehabilitation, preparation for and/or transition to attractive permanent term financing. We structure bridge loans to meet permanent financing criteria within 12-60 months of closing. With our proprietary program, we alone make the credit decision and fund the loans.
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    Hunt Mortgage Group Proprietary Lending

Learn more about financing from Hunt Mortgage Group