Commercial Real Estate Perm Loans

Empowering Commercial Real Estate with Lightning Loans

Tenacious Advocates for Commercial Lenders and Investors

640

Minimum Credit Score

N/A

Maximum Debt To Income

80%

Maximum Loan To Value

No Max

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage offers Commercial Real Estate Permanent Loans, providing long-term financing solutions for commercial properties. These loans are particularly well-suited for investors and business owners looking to refinance an existing loan, purchase a new property, or unlock equity for business purposes.

Key Aspects of Commercial Real Estate Permanent Loans with Innovative Mortgage:

Variety of Lenders: We work with a range of lenders, including conduit lenders, commercial banks, investment banks, and syndicates of banks, to offer you competitive and suitable financing options.
Types of Properties: Financing covers a broad spectrum of property types such as condominiums, leaseholds, cooperatives, forest tracts, land sales contracts, and certain types of mineral rights, as well as traditional commercial property types like multi-family residences, office buildings, retail spaces, and industrial properties.
Repayment Source Flexibility: We understand that each commercial venture has its unique business model and cash flow cycle; hence, we provide credit-based loans, as well as project-based loans.
Insurance Company Funding: For strong borrowers with good credit, we also facilitate loans backed by life insurance companies, which typically target the “four food groups” of commercial real estate: apartment, office, retail, and industrial.
Loan Structuring: We are adept at structuring loans to meet the various revenue and lease term conditions that commercial properties may present, ensuring a fit tailored to your financial dynamics.
Competitive Terms: Our loans are designed to offer competitive interest rates, loan-to-value ratios, and term lengths that align with your long-term financing needs.

Advantages of Partnering with Innovative Mortgage:

Tailored Solutions: We offer personalized loan structures that are designed to meet your specific requirements for permanent financing.
Expertise: Our team has a thorough understanding of the commercial real estate market, enabling us to provide you with expert advice and insightful market analysis.
Efficiency: We pride ourselves on a streamlined application and approval process to ensure that you get the financing you need without unnecessary delays.
Long-Term Support: Beyond the loan, we stand ready to assist you with ongoing financial strategies and refinancing options as your business grows and evolves.

Embarking on Your Commercial Financing Journey:

Whether you’re looking to secure permanent financing for a recently constructed project or refinancing your commercial property to better terms, Innovative Mortgage has the expertise and resources to support your goals.

Contact Innovative Mortgage to discuss your Commercial Real Estate Permanent Loan needs. Our dedicated team is ready to provide you with the strategic financing solutions necessary to support and grow your commercial real estate portfolio.

Pros of Commercial Real Estate Perm Loans

Lightning Fast Shopping

We compare over 100 sources to find the most aggressive deal available for you.

Time-saving Tech

Our use of AI pre-underwriting eliminates 70% of the waiting time.

High LTV

With LTVs up to 80%, our loans offer the flexibility your commercial project needs.

Cons of Commercial Real Estate Perm Loans

Requires Financials

Conventional commercial loans require 3 years of financials on the property and the borrower.

Stricter Requirements

Compared to other loans, conventional commercial loans have more stringent requirements.

Key Issues That Will Get Early Attention

Understand Loan Requirements

We'll help you understand the specific requirements of commercial perm loans and guide you through the process.

Assess Lender Matches

With our technology, we quickly identify which lenders are the best match for your scenario.

Analyze Financials

We'll help analyze 3 years of financials on the property and the borrower to meet loan requirements.

Discuss Commercial Strategy

We'll work with you to discuss your overall commercial strategy and how a Commercial Real Estate Perm Loan fits into that.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.