1135 Heatherstone Drive
Fredericksburg, VA 22407
Phone: (800) 710-6762 option 4
Fax: (540) 548-1117

Recent Closings: **Multifamily Property Purchase | 72% LTV | Broker Commission: $27,000** **Auto Repair Facility Refinance | 65% LTV | Broker Commission: $21,450** **Office Building Refinance | 75% LTV | Broker Commission: $12,000** **Restaurant Refinance | 55% LTV | Broker Commission: $13,500** **Hotel refinance | 62% LTV | Broker Commission: $54,844** **Multifamily Property Refinance | 80% LTV | Broker Commission: $22,400** **Retail Strip Center Purchase | 78% LTV | Broker Commission: $29,700** **Retail Strip Center Purchase | 70% LTV | Broker Commission: $10,710** **Hotel Purchase | 85% LTV | Broker Commission: $31,812** **Restaurant Refinance | 72% LTV | Broker Commission: $18,086** **William T | Daycare Refinance | Broker Commission: $0**

Conventional Owner Occupied Commercial Business Loans

Designed for the business owner that will occupy at least 25% of the property and can show at least 2 years of stabilized financials able to support the requested loan. Debt service is calculated on a global basis using the subject business and borrowers financials. Lease income generated by investment tenants is also applied towards debt service in underwriting.

Commercial Business Loan Program Guidelines:

Up to 90% LTV for multi use commercial properties, 65% for special use commercial properties.
Commercial Loan amounts up to $8mm.
30 year fixed rates available on most commercial loans.
Debt Service Coverage Ratio (DSCR) as low as 1.20 to 1.
Multiple prepayment options to choose from.

Commercial Business Loan Program Benefits:

Low down payment.
Loans without call provisions.
Reasonable debt service coverage requirements.
Fast approvals.
Quick closings.