“Providing Financial Solutions for
Small Balance Commercial Loans”
YOUR
WHOLESALE COMMERCIAL MORTGAGE LENDER.
ABOUT THE MORTGAGE GROUP
COMMERCIAL DIVISION
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The Mortgage Group Commercial, LLC. Is a nationwide
commercial real estate lender that offers financing to
borrowers through a network of banks, real estate
companies, mortgage brokers and credit unions.
Our innovative programs provide an alternative to bank
financing that is ideal for borrowers seeking loans from
$100K to $10MM. We are 100% focused on making our
programs attractive to borrowers, profitable for strategic
affiliations and easy for both.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
COMPANY OVERVIEW AND HISTORY
Company founded to capitalize on the creation,
development, and the evolving secondary market liquidity
of the small balance commercial mortgage market utilizing
prior commercial real estate experience in all facets of
portfolio and securitized commercial lending i.e. origination,
processing, underwriting (credit analysis), capital markets
(secondary marketing), and servicing.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
PROGRAMS
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Stated Income Stated Asset (SISA)
Full Documentation
Bank Portfolio Product ($100K - $10MM)
Program Upgrades, Variations and Blends
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
PROGRAM HIGHLIGHTS
48-72 hour pre-approval
Unlimited cash out
High LTVs and CLTVs
Unrestricted use of
proceeds
 Streamlined underwriting
 Wide variety of eligible
property types
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 Rate locks available
 Subordinated financing
permitted
 Long terms and
amortizations
 Quick closings
 Multiple pricing options
 Minimal costs
 Owner occupied or
investor properties
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
UNDERWRITING METHODOLOGY
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Stated Income Stated Asset (SISA):
Personal income and assets are stated on personal financial statement but
not verified through traditional underwriting of guarantor and collateral. The
credit decision is based upon the guarantor’s personal credit score (FICO)
and property DSCR at a minimum 1.1 coverage.
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Full Documentation:
Hybrid of traditional collateral DSCR underwrite and residential underwrite,
i.e. guarantors personal Debt to Income and personal credit score (FICO).
Credit will be approved based on collateral DSCR and guarantor DTI.
Minimum DSCR required based on collateral type.
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Bank Portfolio Product ($100K-$10MM):
Traditional collateral DSCR underwrite. Offered on both Investment and
Owner Occupied properties. Minimum DSCR required based on collateral
type.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
STATED INCOME/ STATED ASSET
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Loan Amount: $100,000 and up
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Use of Funds: Purchases, Refinances: Rate & Term or Cash
Out 1st Mortgages
CLTV: Up to 90%
Term: 15, 20 and 30 year terms.
Credit: Mid scores 600 and higher, depending on property
Closing: up to 6 weeks
Interest Rate: A wide variety of Fixed and Variable rates
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Other Details: Pre-payment penalties do apply. All loans are
first mortgages and full recourse.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
FULL DOCUMENTATION
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Loan Amount: $100,000 and up
Use of Funds:
Purchases, Refinances: Rate & Term or Cash Out 1st
Mortgages
LTV: up to 90%
Term: 15, 20 and 30 year terms
Credit: Mid scores 600 and higher, depending on property
Closing: up to 6 weeks
Interest Rate: A wide variety of Fixed and Variable rates
Other Details: Pre-payment penalties do apply. All loans are
first mortgages and full recourse.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
FULL DOC & SISA
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Loan Amount: $100,000 and up
Use of Funds:
Purchases, Refinances: Rate & Term or Cash Out 1st
Mortgages
LTV: Up to 80 %
Term: 30 year terms.
Credit: Mid scores 600 and higher, depending on property
Closing: up to 6 weeks
Interest Rate: Fixed periods: 2, 5, 7 and 10 years.
Other Details: Pre-payment penalties do apply.
All loans are first mortgages and full recourse.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
BANK PORTFOLIO
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Loan Amount: $100,000 - $10,000,000
Use of Funds:
Purchases, Refinances: Rate & Term or Cash Out 1st Mortgages.
LTV: Up to 80 %
Term: All loans based on 30 year terms.
Credit: Mid scores 660 and higher, depending on property.
Closing: up to 6 weeks
Interest Rate: A wide variety of Fixed and Variable rates.
Other Details: Pre-payment penalties do apply.
All loans are first mortgages and full recourse.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
LARGE LOAN FULL DOCUMENTATION
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Loan Amount: $1,000,000 and up
Use of Funds: Purchases, Refinances: Rate & Term or Cash Out
1st Mortgages
LTV: Up to 80%
Term: 5, 20, 25 and 30 year
Credit: Depends on project
Closing: up to 8 weeks
Interest Rate: 10 Year Treasury + basis point spread
Other Details: Defeasance, Yield Maintenance and Pre-Pays vary
by investor. SBA and Conduit loan programs are used.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
OUR BORROWERS
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Self-Employed, Small Business Owners
Real Estate Investors
Commercial property owners
Mom & Pop and Family operations
Legal Entities, from individuals to sole proprietors-corps/LLC’s
May be unwilling or unable to provide business/personal
documentation
Slightly impaired credit, scores from 575(mid score) +
Properties that may not “cash flow”
Environmentally sensitive property-possible
Seeking unrestricted cash-out
May not fit bank’s credit culture
Cash businesses
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
PROPERTY TYPES
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Retail, Office, Warehouse
Shopping Center / Strip Mall
Automotive-sales/repair
Medical Facilities
Health Club / Gym
Pre-school, Daycare
Warehouse, Storage Facility
Mixed Use
Multi-family (5+units)
Restaurants, Fast Food
Light Industrial
Special Purpose - will consider the unusual
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
WHAT’S IN IT FOR YOU
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Offer your fall-out loans
Maintain customer relationship
Take comfort in referring customers to a noncompeting money source
Establish referral relationship
Additional revenue
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
MORTGAGE BROKER BENEFIT
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You can offer your clients financing alternatives for commercial
loans and at the same time make large commissions.
Close your commercial real estate transactions within 45 days, and
have control of the situation.
Take comfort in financing your clients, with a commercial
organization that understands your business model.
Capitalize on additional revenue sources with the cyclical nature of
residential real estate.
Strategically position your company to hedge against interest rate
hikes.
Commercial real estate finance is not as interest rate driven.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
THE MORTGAGE GROUP COMMERCIAL
YOUR RESOURCE
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Give us a call - Don’t waste your time and energy
If the deal sounds good don’t hesitate
Send a Completed Loan Application
Tri - Merged Credit Report (from within 30 days)
Completed Commercial Loan Request form.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
ORIGINATING COMMERCIAL LOANS
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Quick Start - You can do it now
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Look at Self Employed borrowers who have commercial
property listed on their 1003 R.E.O.
Borrowers who have done stated RESI deals
Harness your marketing infrastructure
Identify key markets and property types
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National Lending - With us you have the ability to hit the
hot markets, Nationwide (which could be dynamic)
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
HOW TO GET THE BUSINESS
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Commercial Realtors
Small business accountants
Small business Consultants
SBA 504 Lenders, CDC’s, S.C.O.R.E. Offices
Bank’s Fallouts
Small Business Publications.
Cash Driven Communities/Stated Program
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
I HAVE A COMMERCIAL DEAL
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Get the Story (All Adverse Items)
Understand the Story
1003
Credit Report
Loan Request Form
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048
CONTACT YOUR WHOLESALE TEAM
888 841-0048 TOLL FREE
OUR LOAN OFFICERS CAN PRICE, STRUCTURE, AND
ASSIST YOU. WE LOOK FORWARD TO BECOMING
YOUR
WHOLESALE COMMERCIAL MORTGAGE LENDER.
The Mortgage Group ©2006 - CALL TODAY - 888-841-0048