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Process

We work to make the entire process of obtaining competitive financing for your transaction as efficient as possible.  From initial consultation, evaluation, underwriting, marketing & negotiations, all the way through closing, we serve as a valuable partner and resource throughout the entire loan origination & closing process.

Evaluate
Upon contacting us, we will be able to determine very quickly if we can assist you with your financing request. We will need the basic details of the transaction, including property description, loan request, rent roll, income/expenses and a basic understanding of the Sponsor/Borrower.

Should you wish to move forward based upon our initial review and feedback, we will email you a 1-page Engagement Agreement for review & signature. The EA protects both parties by outlining our Terms of Service.  Upon execution of the Engagement Agreement, we will immediately move to fully underwrite your transaction

Underwrite
During the underwriting stage, we will gather additional information that will be neccesary in order to complete our financial model & Loan Request Memmorandum.  We will call or email you with specific questions and clarifications.  Once complete, our Loan Request will be ready for distribution to lenders within the market.
Market
We will generate a list of the of prospective lenders applicable to your transaction. The Loan Request Memmorandum is then distributed and we contact lenders to discuss the details and generate quotes/term sheets. All written quotes we will forward to you upon reciept for your review. The economics and characteristics of the transaction will determine the number/type of lenders we contact and number of quotes/term sheets we receive. During this process we will negotiate the best terms possible among the most favorable quotes so you can ultimately select a lender with whom to proceed.
Close
We will assist in gathering all due-diligence materials required by the lender and field their questions in order for them to formally underwrite and approve your loan. We are also available to interface with 3rd party providers during this stage.  Once your loan is approved by the lender, we  remain available to provide guidance and address any unforeseen issues as the loan documents are drafted and negotiated between the legal teams.  Throughout this entire stage we will provide as much or as little counsel as you desire all the way through closing & funding.

 

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