Lawrence Smiley

We capitalize on the commercial loan requests we were getting from our residential
customers. Over the years, we have learned the nuances of the Commercial lending
arena and now have the team in place to provide the great rates and flexibility
of a broker with the underwriting knowledge of direct lenders. In so doing, we
can fill the void between the local commercial bank with its slow approvals,
rigid terms, zero follow-up and restrictive criteria and the "hard money"
lenders who will give you 15%+ rates. In fact, we will help structure the deal
and can often get the loan approved with banks and lenders that you would be
unable to get done. Plus, we are now correspondent lenders with several national
banks--which means better pricing for you and your clients; and we have access
to all of the nationwide lenders and direct conduits to Wall Street money. As
the numbers of deals we do grow, and the database of lenders that respect our
underwriting grows, our ability to provide truly the finest service and terms
available is reaching new highs.

WE LEND ON THE FOLLOWING PROJECTS:

Commercial Loan Projects:

*Construction (All
Types)
* Raw Land Improvement
* Land Acquisition, Entitlement & Development
* Retail, Offices, Warehouses, Self-storage
* Commercial & Residential - Mixed Use
* Multi-family Residential
* Condo Conversions
* Condo/Loft/Townhome/Apartments
* Restaurants, Hotels & Motels
* Single/Multi Tenant Offices
* Most commercial properties considered