Best Practices
Understanding borrowers financing needs in conjunction with borrowers return expectations and risk tolerance helps us to identify competitive financing alternatives for our clients. We formally obtain financing terms from multiple lending sources on their behalf, often creating competitive pricing among the different sources.
Understanding the lending parameters of each of our lenders overall lending programs allows us to identify those loan opportunities that best meet our lenders production goals for the year. Knowing portfolio diversification by property type as well as exposure allows us to identify the most attractive loan opportunities. Interest rate targets, loan to value expectations as well as loan duration are important factors when recommending loans for each lenders portfolio.
Knowledge Capital
We leverage our knowledge so every borrower knows that each source we recommend has been screened to make sure they can address both the short term and long term needs of the borrower.
As we compare alternative sources we analyze not only the interest rate, term and amortization but also business and legal provisions within the loan documents that may provide flexibility as needed during the term of the loan. We strive to provide ongoing service throughout the entire loan origination process to make sure each detail is addressed with a vision towards identifying any unforeseen challenges as they arise.
Before contacting our lenders we are committed to reviewing financial, physical and locational attributes as part of the underwriting process to insure we understand the details of each property. We strive to work with experienced borrowers who have the financial wherewithal to carry the property in good times as well as bad. Underwriting includes not only the property but also the borrower. We strive to provide ongoing service throughout the entire loan origination process to make sure each detail is addressed with a vision towards identifying any unforeseen challenges as they arise.
Client-Centric Approach
We acknowledge that the borrower is paying a fee for our service, which is often intangible.
However, we want to make sure that at the closing not only does the borrower feel they received value from our efforts but also the lender. We also want both borrower and lender to want to use our services over and over and enjoy our involvement throughout the entire process.
Market Timing
Timing is everything. This is especially true when dealing with the volatile capital markets. Interest rates change every minute, every hour. The availability of capital also changes.
It is important to know how to take advantage of the market. We continuously monitor the capital markets and keep apprised of economic and political influences as well as the supply of capital and seasonality. The results are the most competitive terms for both the borrower and the lender.
