Thursday, December 14, 2017
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Market Commentary
A written dialogue discussing the effect the Federal Reserve is having on mortgage rates


Steve Lewis
Mortgage Loan Originator
Sierra Pacific Mortgage
Rancho Bernardo Branch

11770 Bernardo Plaza Court #451
San Diego CA 92128

O: 858.225.5604
C: 619.857.9268
F: 858.225.0404
Email:
Team.Lewis@SPMC.com
Website:
www.SteveLewisLoans.com

NMLS# 300313
Branch NMLS# 279118
Company NMLS# 1788

Licensed under the
CA DBO/RMLA #8171148;
Not Licensed in the state of New York.

Equal Housing Lender

 
     
Market Commentary
A written dialogue discussing the effect the Federal Reserve is having on mortgage rates


Steve Lewis
Mortgage Loan Originator
Sierra Pacific Mortgage
Rancho Bernardo Branch

11770 Bernardo Plaza Court #451
San Diego CA 92128

O: 858.225.5604
C: 619.857.9268
F: 858.225.0404
Email:
Team.Lewis@SPMC.com
Website:
www.SteveLewisLoans.com

NMLS# 300313
Branch NMLS# 279118
Company NMLS# 1788

Licensed under the
CA DBO/RMLA #8171148;
Not Licensed in the state of New York.

Equal Housing Lender

Commercial lending is not standardized as it relates to programs and guidelines. What regulations do exist will change over time and with market conditions. Since commercial loans usually represent a significant business expense it is always prudent to consult a real estate professional, attorney, accountant, and commercial lender to provide all the information needed to make an informed decision that meets the needs of the business.

Commercial Debt Ratios
This article explains how the Monthly Housing Expense and Debt to Income ratios are calculated.

Commercial Debt Service Coverage Ratio
This article explains how the Debt Service Coverage Ratio on commercial property loans is calculated.

Commercial Lending Ratios
This article provides additional information on how ratios are used in commercial lending.

Commercial Loan Checklist
This list will help you identify the types of information a banker will need to make an informed decision about your business.

Commercial Loan to Value Ratios
This article explains how the loan-to-value (LTV) ratio is calculated.

Commercial Property Types
This article lists some of the types of properties that require commercial financing.

Commercial Underwriting Guidelines
This article details some of the common criteria lenders evaluate in a commercial loan application package.

Commercial Financing Options
This article reviews some of the financing options available for commercial lending.

Questions to Ask Yourself
This article provides some questions for the borrower to review with any commercial lender.

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