Pronunciation: "fi-n&n-'sir; f&-"nan-, "fI- Function: noun
1 : one who specializes in raising and expending public moneys; 2 : one who deals with finance and investment on a large scale.
Member, Georgia Association of Mortgage Brokers, Cobb Chamber of Commerce, National Association of Professional Mortgage Women & National Association of Mortgage Brokers
Now we have Commerical Loans, for properties all over the world: multifamily, mixed-use, office, retail, warehouse, self-storage, light industrial, mobile home parks, apartment buildings, strip malls, shopping centers, and hotels.
• competitive pricing
• Unlimited cash out
• High LTVs and CLTVs
• 48-hour pre-approvals
• Streamlined underwriting
• Subordinate financing permitted
• Long terms and amortizations
• Quick closings
• Multiple pricing options
• Minimal costs
• Owner occupied or investor properties
Maximum loan amount
$1 million
Here are the rules:
• 640+ middle score
• Low debt to income
• Full doc income
• 2 months principal & interest payments in liquid assets
• No late mortgage payments in the last 12 months
• No bankruptcy in the last 7 years.
Structures containing four or more dwelling units with common area facilities such as entrances, lobby, elevators, stairs, mechanical space, walks or grounds. Units must be rented on a non-transient basis such that tenants consider their unit their permanent residence. Properties that offer weekly or monthly housing ARE NOT multifamily properties. - return to top -
Mixed-use
Mixed-use properties must contain at least one commercial unit (retail, office etc.) and at least one residential unit. Common types of mixed-use properties include a ground floor retail or office unit with apartment(s) above, all within the same building. The primary use at the property must be for residential purposes in order for it to be considered Tier 1 mixed-use. The Mixed use property type can be classified in any tier depending on the percentage of the multi-family component and the type of commercial use. - return to top -
Tier 2 Properties
Mixed-useMixed-use properties must contain at least one commercial unit (retail, office etc.) and at least one residential unit. If the primary use at the property is for commercial purposes, the property will fall under mixed-use Tier 2 guidelines. The Mixed use property type can be classified in any tier depending on the percentage of the multi-family component and the type of commercial use. - return to top -
Office
Office buildings are buildings designed for general commercial occupancy and are normally subdivided into smaller units. Office use implies a general business use that does not include retail, manufacturing or warehouse type operations. - return to top -
Retail
Retail buildings are designed for retail sales and display and usually have display or decorative fronts. This retail classification encompasses a wide variety of uses including, but not limited to: markets, convenience stores, drugstores, department stores, big box retailers, barber shops, laundromats, etc. - return to top -
Warehouse
Warehouse buildings are designed primarily for storage purposes. An amount of office space included is usually commensurate with the quality of the building but typically rages from 3% to 12% of the total area. Plumbing and lighting are usually limited due to anticipated light personnel load. The design of the building usually includes a light frame with large open interior areas. Cold storage and transit warehouses (truck terminal) are included in this category. - return to top -
Self Storage
Mini-warehouses are warehouses subdivided into a mixture of cubicles of generally small size, designed primarily to be rented for small self- storage or noncommercial storage and may include some office-living space. - return to top -
Light Industrial
Light industrial is characterized by a small size facility where no heavy manufacturing or specialized industrial process takes place. Office space within light industrial ranges from 3% to 25% of the total area. Buildings must include sufficient plumbing and lighting to accommodate personnel. Common uses found in light industrial properties may include: cabinet making, assembly processes, home service industries, etc. Absent from these properties is any type of heavy machinery, welding operations, cranes or hazardous materials. - return to top -
* Programs, Rates & Terms subject to change without notice; the market is extremely volatile right now.
Don't presume what you want is available without talking to someone on my staff.
770) 333-4404 
678) 239- 4872
