Overview

BrokeredIn is an easy-to-use, state of the art loan origination platform that allows brokers, realtors, residential bankers and other professionals to originate live quotes on commercial, residential investment and business loans.

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COMMERCIAL


MORTGAGE LOANS

One Application • Many Lenders • Many programs


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COMMERCIAL MORTGAGE LOANS

BrokeredIn search parameters for commercial mortgages are structured to be relevant to both the borrower and the lender.

Commercial lending can be very complex with so many moving parts to each transaction including the; reviewing the property financials, and owners (or "sponsosr") financials along with finding, hiring, and then reviewing various third-party reports such as appraisal, environmental and title work.

BrokeredIn helps the user to easily navigate these waters with automated systems and reminders to be sure nothing is forgotten or overlooked.

You will have access to many different types of financial programs including:



FUNDING TIME


PERMANENT FINANCING
60 Days
BRIDGE LOANS
21 Days
HARD MONEY
15 Days

EARNINGS POTENTIAL


Up to 5 Points






LOANS



35% Complete (success)
20% Complete (warning)
10% Complete (danger)

$25,000 TO $100 Million



QUICK OVERVIEW


Permanent financing has been designed for bankable borrowers (Full Doc ) with long and short terms programs. Most loans require a personal guarantees (recourse) and are meant for borrowers with strong financials, strong liquidity, high net worth and management experience.
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
AFFORDABLE HOUSING
SENIOR HOUSING
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
HOTELS
SELF-STORAGE
GOLF-COURSE
MONEY, TIME&EXECUTION
TYPICAL LOAN
$3 Million
APPROVAL TIME
72 hrs
FUNDING TIME
45 Days
POTENTIAL COMMISSION
$30,000 (1% of loan amount)
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
AFFORDABLE HOUSING
SENIOR HOUSING
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
HOTELS
SELF-STORAGE
GOLFCOURSE
MONEY, TIME&EXECUTION
TYPICAL LOAN
$2 Million
APPROVAL TIME
72 hrs
FUNDING TIME
60 Days
POTENTIAL COMMISSION
$20,000 (1% of loan amount)

QUICK OVERVIEW


Life insurance companies are portfolio lenders that provide permanent financing for bankable borrowers with strong financials, liquidity and a typically high net worth. Loans are typically long term in nature and often non-recourse with no personal guarantee.

There is only a hand full of insurance companies that work with the general public, most insurance companies with Conduit Lenders that originate, underwrite, fund and service all their loans.

QUICK OVERVIEW


Commercial mortgage-backed securities (CMBS) are mortgage-backed securities backed by mortgages on commercial properties. CMBS lenders focus on high quality properties and borrowers due to the loans tending to be more complex and volatile due to the unique nature of the underlying property assets.
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
AFFORDABLE HOUSING
SENIOR HOUSING
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
HOTELS
SELF-STORAGE
GOLFCOURSE
MONEY, TIME&EXECUTION
TYPICAL LOAN
$5 Million
APPROVAL TIME
72 hrs
FUNDING TIME
60 Days
POTENTIAL COMMISSION
$50,000 (1% of loan amount)
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
AUTOMOTIVE SERIVICE
SELF-STORAGE
MONEY, TIME&EXECUTION
TYPICAL LOAN
$400,000
APPROVAL TIME
72 hrs
FUNDING TIME
45 Days
POTENTIAL COMMISSION
$16,000 (4% of loan amount, including rebates)

QUICK OVERVIEW


A stated income loan is a mortgage where the lender does not verify the borrower or properties financials (business tax returns, accounting records, pay stubs, personal tax returns) These loans are intended for self-employed borrowers, or borrowers who might have difficulty documenting their income. Underwriting will focus on the borrowers’ credit and the properties available equity rather than financials.

QUICK OVERVIEW


Alternative financing is for borrowers who still don’t quite qualify for Full Doc Permanent financing due to credit problems or other internal issues with their finances.

Typically, Alt lenders will still require a full financial due diligence package including tax returns, accounting, credit profile, full application, etc., but will use expanded underwriting criteria and possibly evaluate the borrower’s income using bank statements to verify deposit income looking at a “Global Cash Flow”.

These loan allow for more adverse credit and financial situations creating Rates and Terms not typically as high as Bridge or Hard Money but not as low as standard conventional pricing.
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
AUTOMOTIVE SERIVICE
SELF-STORAGE
MONEY, TIME&EXECUTION
TYPICAL LOAN
$750,000
APPROVAL TIME
72 hrs
FUNDING TIME
60 Days
POTENTIAL COMMISSION
$50,000 (3% of loan amount, including rebates)
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
MONEY, TIME&EXECUTION
TYPICAL LOAN
$5 Million
APPROVAL TIME
72 hrs
FUNDING TIME
60 Days
POTENTIAL COMMISSION
$100,000 (2% of loan amount, including rebates)

QUICK OVERVIEW


FREDDIE MAC (FHLMC) is a public government-sponsored enterprise (GSE) that guarantees loan program designed for Multifamily properties. Most loans are non-recourse and require strong borrowers, strong properties in top MSA's or Primary Markets with populations in excess of 200,000 people. These loans are typically amortized over 25-30 years with a balloon payment and come with a 5 year term commitment with a step down pre-payment penalty.

QUICK OVERVIEW


The Federal National Mortgage Association (FNMA), commonly known as Fannie Mae is a public government-sponsored enterprise (GSE) that guarantees mortgages designed for apartments, senior housing, student housing and manufactured housing communities. Most of these loans are non-recourse, require strong borrowers with extensive management experience and strong properties located in top MSA's with populations of at least 200,000.
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
MONEY, TIME &EXECUTION
TYPICAL LOAN
$5 Million
APPROVAL TIME
72 hrs
FUNDING TIME
60 Days
POTENTIAL COMMISSION
$100,000 (2% of loan amount, including rebates)
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
MONEY, TIME&EXECUTION
TYPICAL LOAN
$5 Million
APPROVAL TIME
72 hrs
FUNDING TIME
60 Days
POTENTIAL COMMISSION
$50,000 (1% of loan amount)

QUICK OVERVIEW


The FHA is a federally guaranteed program under the government's Department of Housing and Urban Development (HUD). FHA Loans can be used for the purchase or refinance, substantial rehabilitation of multifamily or healthcare properties. Loans are typically non-recourse (except standard carve-outs) and amortized up to 40 years for strong borrowers with extensive management experience and used for properties located in primary markets or top MSA's with a populations of at least 200,000.

QUICK OVERVIEW


Hard Money or Stated Income financing focusses on the available equity in real estate as opposed to relying heavily on a borrowers credit and financial strength. These loan programs are utilized when the borrower has no other options, and close in as little as 7-10 days but typically come with very high Interest rates, up-front fees & costs and multiple points do at closing.
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
AUTOMOTIVE SERIVICE
SELF-STORAGE
and much more
MONEY, TIME&EXECUTION
TYPICAL LOAN
$500, 000
APPROVAL TIME
72 hrs
FUNDING TIME
30 Days
POTENTIAL COMMISSION
$20,000 (4% of loan amount)
PROPERTIES FINANCED
MULTIFAMILY
MIXED-USE
GARDEN APARTMENTS
RETAIL
OFFICE
LIGHT INDUSTRIAL
WAREHOUSE
AUTOMOTIVE SERIVICE
SELF-STORAGE
MONEY, TIME&EXECUTION
TYPICAL LOAN
$4 Million
APPROVAL TIME
72 hrs
FUNDING TIME
30 Days
POTENTIAL COMMISSION
$80,000 (2% of loan amount)

QUICK OVERVIEW


Bridge loans, also known as interim financing, gap financing or swing loans, they bridge the gap during times when financing is needed but not yet available. Bridge loans typically have a faster application, approval and funding process than traditional loans. However, in exchange for the convenience, these loans tend to have relatively short terms, high interest rates and large origination fees. Generally, borrowers accept these terms because they require fast, convenient access to funds. These loans typically are full doc loans with very liberal underwriting and approval guidelines that borrowers are willing to pay high interest rates because they know the loan is short term and plan to pay it off with low-interest, long-term financing quickly.


TERRITORY

National