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Fixed Rate Mortgages

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Product IDFXD
LocationNationwide - All sub-markets considered
Property TypesOffice, Retail, Industrial, Multi-Family, Hospitality, Self-Storage, Mobile Home Parks
Loan Amounts$3.0 million - $200 million
LTVUp to 75%
LTCUp to 80%
DSCR1.25x min (typical)
TermUp to 10 yrs 15-20 yrs (available depending upon asset)
Rate TypeFixed
Interest OnlyAvailable (term depends on property characteristics)
Rate IndexEither corresponding SWAP Rate or Treasury
SpreadCall for current spreads.
Rate ExecutionLife & CMBS/Agency - Set at spread over index Bank - Typically Libor-Based rate w/ SWAP to fix
Rate LockAt closing (typical) Forward Rate Locks Available
AmortizationUp to 30 yrs
PrepaymentYield-Maintenance, Defeasance, Make Whole or Fixed Step-down (varies by lender)
RecourseNon-recourse subject to standard carveouts
Lender PointsLife Co., Agency, CMBS - typically Par/$0 Banks - Vary by Lender
EagleBridge FeeTransaction specific
ServicingLife Co - Typically lender retained CMBS - Securitized / 3rd Party Banks - Typically lender retained
ReservesCMBS - TI/LC (required), Capex (required based upon property condition report) Life Co / Bank - typically no TI/LC reseves
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