Business Details
Commercial Mortgage Loans for Real Estate Investors
At First Charter Financial, we specialize in commercial real estate financing, offering tailored solutions for investors, developers, and property owners. With decades of combined experience in the mortgage industry, our team prioritizes client needs over lender interests, ensuring access to the most suitable financing options. We represent borrowers exclusively, leveraging extensive relationships with national lenders to secure competitive rates and terms.Our expertise spans CMBS conduit loans, agency multifamily financing, SBA programs, bridge loans, and conventional construction financing. Licensed and bonded, we operate nationwide without charging upfront fees, maintaining transparency throughout the loan process. Our commitment to integrity and client advocacy has established us as a trusted partner in commercial mortgage services.
Services
CMBS Conduit Loans
Agency Multifamily Loans
SBA 7a Loans
Bridge Loans
Commercial Real Estate Financing
Highlights and features
- We represent the borrower, not the lender.
- We offer a wide range of loan programs including CMBS, SBA, and bridge loans.
- Our experienced team maintains long-term financial market relationships.
- We do not charge upfront deposits or fees.
- We are a licensed and bonded commercial mortgage company.
Services
CMBS Conduit Loans
CMBS conduit loans provide low-interest, 10-year fixed-rate financing for stabilized commercial properties. These loans are ideal for hotels, retail centers, office buildings, and industrial properties. Our team facilitates access to bond market funds through streamlined underwriting processes.
Agency Multifamily Loans
Agency multifamily loans from Fannie Mae, Freddie Mac, and HUD offer long-term fixed rates for apartment complexes. These government-backed programs provide favorable terms for multifamily property financing. We specialize in navigating agency requirements to secure optimal loan structures.
SBA 7a and 504 Loans
SBA 7a loans up to $5 million and 504 loans up to $13 million provide government-guaranteed financing with reduced down payments. These programs suit small business owners seeking commercial property financing. We handle the application process for both SBA loan types.
Bridge Loans
Bridge loans offer short-term financing solutions for transitional properties or urgent capital needs. These higher-interest loans provide temporary funding when traditional financing isn't immediately available. We connect borrowers with private and hard money lenders for bridge loan requirements.
Commercial Real Estate Financing
Our comprehensive financing solutions cover all commercial property types including hotels, shopping centers, and industrial buildings. We offer conventional, construction, and specialized loan programs tailored to property-specific needs. Our nationwide network ensures access to diverse lending options.
Questions
What types of commercial loans do you offer?
We offer CMBS conduit loans, agency multifamily loans, SBA 7a and 504 loans, bridge loans, and conventional construction financing for commercial properties.
How do you differ from traditional lenders?
We exclusively represent borrowers, not lenders, and maintain relationships with multiple funding sources to find the best loan terms for your specific needs.
What commercial properties qualify for financing?
We finance hotels, shopping centers, multifamily complexes, office buildings, industrial properties, and mixed-use developments across the United States.
Are there upfront fees for your services?
No, we do not charge upfront deposits or fees. Our compensation comes from lenders upon successful loan funding.
How do you determine the best loan for my property?
We analyze your financial goals, property type, and market conditions to recommend and secure the most suitable financing option from our network of lenders.
