#real estate financing in USA

[gentlemans-code20]

#Iconoclast - Robert Kiyosaki

Robert grew up in the small town of Hilo, Hawaii. He went to college at Kings Point Merchant Marine Academy in New York state. Upon graduation, Robert turned down a well-paying job with Standard Oil and chose to enlist in the Marine Corps as a helicopter pilot at the time of the Vietnam War.

[kriptodeck]

How to invest in 3 easy steps…

Did you know it was that easy???

To start investing today send me a Dm and I will guide you.

We also have other investments aside cryptocurrency

We have Real Estate, Gold, Forex and many more

[eatliveescape]

6 Reasons to Invest in Real Estate in Oklahoma

The real estate market is steadily recovering from​​ the effects of COVID-19 and continues to grow in size. The commercial real estate market is expected to reach over $28 trillion within five years due to the return to office mandates and an increased need for flexible working spaces.  Most people gravitate towards big cities when investing in real estate. While those opportunities can be…

[zeuscommercial]

Choosing the Right Commercial Real Estate Financing: Why the SBA 504 Real Estate Loan Stands Out?

Securing the right financing option for commercial real estate could be a significant aspect for business owners. Expanding your business, acquiring a new property, or investing in other assets are all processes that would warrant taking out a loan, and knowing which type of loan to take is important to ensure favorable terms and rates are secured. Of all the different loan products available, many small business owners are keen on the SBA 504 Real Estate Loan. In this blog, we will see the reasons why the SBA 504 loan is worth your consideration when it comes to commercial real estate financing.

Understanding commercial real estate financing

Commercial real estate financing refers to the funding used for buying, improving, or refinancing any income-generating asset such as an office, retail, or industrial building. Business people looking for such funding can consider several sources, such as bank loans, commercial mortgages, and government loans. All these options present their own pros and cons, making it important to select one that fits the needs of one's business.

What Is a 504 Real Estate Loan?

 In finance, it is a long-term, fixed-rate loan aimed at small businesses for purchasing capital assets, for example, real estate or expensive machinery. The difference between an SBA 504 real estate loan and an ordinary commercial loan is that the former is a tri-partite agreement between the lender, a CDC (Certified Development Company), and the borrower. Here is how it works:

1. The lender advances 50% of the project costs.

2. A non-profit counterpart, the CDC, takes 40% of that.

3. The last 10% is taken up by the borrower.

This risk-sharing approach helps in giving better terms to the small business owners, making them less risky for the lenders.

Advantages of the SBA 504 Loan for Real Estate Financing

Following are the reasons making the SBA 504 Real Estate Loan an ideal option for most people in need of commercial real estate financing:

Lower Deposit Requirement- In factor analysis, the low deposit perceived as one of the primary working capital loan merits, as in a few cases starting from 10% only required. This is advantageous to most small enterprises that want to safeguard their liquidity. Unlike commercial loans that may have more expensive down payments, the SBA 504 loan enables businesses to keep a greater portion of their funds available for other purposes.

Locked-in Interest Rates-The SBA 504 loan has locked in interest rates, which implies that the interest rate will be charged at the same rate for the duration of the loan. This provides an element of certainty that is often not present owing to the unique nature of other commercial real estate financing. This makes it easily possible to plan and budget for such activities.

Amortization Schedule- The repayment period of the SBA 504 loan is also quite long, often extending to a full 25 years on the purchase of real estate. This helps to lower the level of monthly payments; hence, it’s easier for small businesses to repay their debts. Greater repayment terms are a big plus in comparison with several direct commercial financing institutions whose repayment periods tend to be shorter.

Enabler for Investment Spending- Where a business has the need to make an investment, such as a purchase of a bigger office, a warehouse, or buying machinery, the SBA 504 loan comes in handy. It is a perfect match for advancing companies that are in serious need of buying new properties.

Why Choose Zeus Commercial Capital?

Finding the right financing can be hard, and that’s where Zeus Commercial Capital stands out. We form and manage portfolios of debt to minimize cost while enabling the financing of all commercial real estate loans. You can rely on us for professional assistance and successful realization of your plans and goals in regard to SBA 504 real estate loans.

Final Thoughts

The importance of selecting the most appropriate commercial real estate financing for the advancement and achievement of your business cannot be overstated. The majority of small businesses can opt for the SBA 504 Real Estate Loan since it has comparatively low equity requirements, fixed government rates, as well as more extended payback periods. For those seeking professional assistance with understanding the most appropriate financing options for their business, Zeus Commercial Capital is available. We will help you with relevant guidance and find the most suitable solution.

[heide-international-llc-florida]

Reasons to Hire a Mortgage Broker in 2023: Get the Best Deal!

Are you thinking about purchasing a residence in Florida, United States during the current year? If so, it's important to understand the benefits of hiring a mortgage broker in united states in 2023. A professional mortgage expert can help simplify and streamline your search for the right mortgage loans while providing invaluable assistance throughout the entire process.

Reasons to hire a mortgage broker in 2023 include access to extensive networks, personalized guidance through each step of the journey, and up-to-date knowledge on current market trends.

Benefits of Hiring a Mortgage Broker

Hiring a mortgage broker in 2023 can provide you with numerous benefits. Access to a variety of programs is one of the primary advantages, as brokers are knowledgeable about the latest loan products and rates from multiple lenders. A broker can assist in pinpointing the optimal loan plans for you and your real estate and mortgage financial needs.

A mortgage broker can provide their proficiency and understanding of the intricate details of real estate financing, thus assisting you throughout each stage. Finally, working with a mortgage broker often leads to streamlined processes and time savings because they have access to industry tools that make it easier to submit paperwork and close on loans quickly. With their expertise, brokers also know how to avoid potential pitfalls or delays in order to get you into your new home faster than if you were going it alone.

Also Read: Types of Mortgage Loans

How to get the Right Mortgage Broker?

In 2023, selecting a mortgage broker for your real estate transaction is an essential decision that requires careful consideration. Researching potential brokers, checking credentials and reviews, and interviewing prospective brokers can help ensure that you make the best decision for your needs.

When researching potential brokers, it's essential to assess their proficiency and background in the mortgage industry. Look into their qualifications, certifications, specializations or areas of focus as they relate to Florida real estate purchases. Additionally, research any awards or recognitions they have received from industry organizations such as The Mortgage Bankers Association (MBA).

It's also essential to check credentials and reviews before selecting a mortgage broker. Verify that the company has all necessary licensing requirements up-to-date with local governing bodies like The Florida Office of Financial Regulation (OFR). Additionally, review online customer feedback on sites like Yelp or Google Reviews so you can get an idea of how other clients feel about working with them.

Things to consider when hiring a Mortgage Broker

When hiring a mortgage broker in Florida, you will need to present fiscal facts and paperwork that can aid them in deciding which loan options are most suitable for your situation. Your financial standing, including your credit score and income statements, as well as any bank account records will be necessary for the broker to assess which loan options are best suited for you.

Once the broker has all of this information, they can begin to explore different loan programs and rates that fit your needs. The broker can discuss the particulars of each selection, so you are able to take a knowledgeable action about which one is appropriate for your requirements. When crafting an offer on a mortgage, it is essential to evaluate multiple elements such as the rate of interest, repayment plan, down payment size, closing costs and more.

Conclusion

Full-service mortgage brokers are equipped with extensive resources and knowledge to help you find the perfect loan solution for your specific requirements. Mortgage brokers are experienced professionals who will guide you through every step of securing your future home, making it easier than ever before to purchase real estate in Florida this year.

To make your home buying process easier and more efficient in 2023 get free consultation from Heide International's full-service mortgage brokers, contact us today!

[darknesssus]

Modern family future

After their heartful goodbyes they all went their own way

The dunphys :

Modern Family Future

(a) Haley and Dylan are preparing for the twins first day of middle school. They live in Claire and Phil's apartment. Dylan is a bigshot in the hospital and Haley becomes the head of NERP.

(b) Alex and Arvin have won a noble prize for their findings on thier research project. They get married and now work in the world's top research institute.

(c) After college Luke opens a video game company with the money he earned from working at jay's club and his business is booming. Alex handles all the finances of his company.

(d) Phil and claire roam around in their RV and they own a house in Florida. Claire works from home or in the rv for organize em and Phil plans where they want to go in their rv around USA.

The prichett-tucker

(a) Mitchell and Cam and busy preparing for ruxford's(new baby) first emotional support pig party. Mitchell has oppened his own law firm and Cam is well known college coach and his being offered a job from caltech .

(b) Lily is currently studying in stanford and she runs the school with her mean girl vibe.

The prichetts and delgado

(a) Manny is the director of the new Avengers movie that is being shot in LA.

(b) After stella's death Jay focused his energy on Joe and Gloria became a huge real estate agent and owns her own company where Gill Thorp works for her. Jay and Gloria are preparing for joe's graduation

They are all flying back for joe's graduation.

[lecadavre]

Introducing YAEL BLUM. Word on the street is they are a MEDICAL EXAMINER, and despite what others might think, they remain NON-CORRUPT. Though they are RESTRAINED and RESENTFUL they can also be FERVENT and TENDER. In the chaos of New York City, they’re sure to fit right in. 

BIOGRAPHY: Click here for access to her full biography!

PLAYLIST: Click here.

BASICS.

FULL NAME: Yael Emily Blum AGE & DATE OF BIRTH: Thirty-six, born on September 5th, 1987. GENDER & PRONOUNS: Cis woman, using she/her/hers pronouns. SEXUALITY: Bisexual, Biromantic HOMETOWN: Valentine, Nebraska, USA AFFILIATION: Law Enforcement, non-corrupt JOB POSITION: Medical Examiner EDUCATION: Bachelor’s Degree in Biology from University of Nebraska-Lincoln, Doctor of Medicine (M.D) from University of Nebraska College of Medicine, and did her Medical Residency in Pathology at University of Nebraska College of Medicine RELATIONSHIP STATUS: Separated CHILDREN: N/A POSITIVE TRAITS: Tender, Fervent, Dedicated, Alert, Resourceful NEGATIVE TRAITS: Envious, Restrained, Resentful, Subservient, Deadened

WANTED CONNECTIONS.

ROOMMATE: Yael's only been in New York now for around two/three years, and considering the absolutely nauseating real estate prices in the city and her finances being tied up in her non-divorce, she'll definitely need someone to split the burden of NYC rent with.

HER HUSBAND: This is probably more of a submittable to the main wanted connection but it would be fun to eventually have this drama because she did leave him out the blue and broke up with him over email... All the details about him in her bio can be discussed/changed, I'm willing to be super flexible about it so pretty much everything would be up to you.

FRIENDS: Yael has always been very codependent with her friends, she's lowkey clingy but somehow only in friendship? It'd be interesting to have a mix of genuine friends and ones that are perhaps using her for her misguided generosity and loyalty.

OTHER DOCTORS: People she met at medical conferences, communicated with about patients who've travelled between states, etc. Before her move to NYC she was a pathologist in Omaha, Nebraska. Though she technically works in law enforcement now, it'd be interesting to have colleagues in the medical field.

Literally anything else because I love a good brainstorm :)

[icmmortgage]

ICM Mortgage

In the heart of Zanesville, OH, ICM Mortgage stands as a premier mortgage company committed to making the dream of homeownership a reality for its valued clients. With a steadfast focus on providing tailored mortgage solutions, ICM Mortgage is dedicated to guiding both first-time buyers and seasoned investors through the complexities of purchasing or refinancing a property. Our experienced team understands that buying a home is one of life's most significant investments, and we approach every client’s needs with personalized attention to ensure the best outcomes.

Specialized services at ICM Mortgage include custom-tailored mortgages for those venturing into the realm of home ownership for the first time, as well as streamlined options for self-employed buyers who may require more flexible lending solutions. Investors seeking property expansion will find themselves supported by our deep understanding of real estate financing strategies designed to maximize potential returns while minimizing risk.

Website https://www.icmmortgage.com/ Business Name ICM Mortgage Address Line 1 1136 Maple Ave City Zanesville Province/State OH , USA Zip Code 43701 Phone (local) (740) 624-8091 Company Email icmmortgage9@gmail.com Hours of operation "Sunday : 10:00 - 13:00 Monday : 09:00 - 18:00 Tuesday : 09:00 - 18:00 Wednesday : 09:00 - 18:00 Thursday : 09:00 - 18:00 Friday : 09:00 - 18:00 Saturday : 10:00 - 13:00

[grfinanc1]

G and R Financial Services: Your Trusted Choice Among Financial Service Companies. Discover personalized financial solutions tailored to your unique needs. Let our experts guide you to financial success today

[agent-aurarivera]

First thing I will like y'all to take a look at before going through my blog is the company I work for👍

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About bluepeak global

bluepeak global is an investment company, whose team is working on making money from the volatility of cryptocurrencies and offer great returns to our clients.

No matter their income level, social class, or anything else, it is the fundamental responsibility of bluepeak global to provide everyone with acceptable housing that is affordable. Our daily efforts are focused on exceeding expectations by keeping our word, building up our land bank, growing our clientele, and providing premium services and reasonably priced home options. Our range of series are created on suitable lands using recurrent development methods. They provide excellent value and a well-known product since they are standardized in terms of design, layout, and specification. Making the unbelievable accessible is our aim.

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Oh the picture ☝ that's me back there on my glasses👓 in the picture of our last meeting at the office😹 Am the smallest 🤦🏻‍���️

[emptyanddark]

weekly reading list

things i've read this week i found interesting.

In Syria, the West’s Humanitarian Claims Crumble to Dust by Jonathan Cook: as the death toll from the earthquakes hitting Syria and Turkey exceeds 46 thousand lives, don't forget that the people of Syria have been living under the collective punishment by western powers choking them with sanctions. humans can't control forced of nature but the amount of damage and human sufferings is entirely political (as it appears in Turkey infrastructure was compromised by corruption)

The Foundation of Monte Albán, Intensification, and Growth: Coactive Processes and Joint Production: authors Linda Nicholas & Gary Feinman propose their hypothesis about egalitarian, collective "good" governance in Oaxaca valley settlements.

Surveillance Capitalism by John Bellamy Foster & Robert W. McChesney: outlines the history of cooperation between USA government and private companies to present issues of surveillance capitalism.

Of Flying Cars and the Declining Rate of Profit by David Graeber about creativity, innovation and imagination.

The Case for Free-Range Lab Mice by Sonia Shah: a long-overdue discussion about the limited benefit of using lab animals in biological & medical research. the questions about this practice are not only ethical, but practical.

The Evolution of Meaning – from Pragmatic Couplings to Semantic Representations: author Kevin Mitchell writes about the distinction between deriving pragmatic and semantic meanings, and proposes evolutionary theory about their development.

Three Ideas from Linguistics that Everyone in AI Should Know by Gary Marcus and Elliot Murphy: large language models don't in fact, use language, at least not as humans use it. they merely spit out words & phrases that are statistically likely to be next; the author of this article focuses on 3 key elements of language that are absent from LLMs: reference, cognitive models and compositionality.

Africa's Forgotten Colony in the Sahara by Paweł Wargan: from European imperialism, to Moroccan nationalist interests and the greed of multinational mining corporations, this articles introduces a bit of the modern history of Western Sahara and the plight of the Sahrawi people.

The Carbon Triangle: analysis by Jeremy Wallace who identifies interactions between three major economic actors in contemporary China: finance, land and real estate, and how they impact the environment.

interview with Clara E. Mattei, the author of The Capital Order: How Economists Invented Austerity and Paved the Way to Fascism

Inside Google’s Quest to Digitize Troops’ Tissue Samples: James Bandler answers the question: what's more creepy than the US' DOD's largest collection of human tissues going back over a century? reply: Google wants to make money off it.

Lever News covering the catastrophe that is US rail, in the name of profiteering, from Rail Companies Blocking Safety Rules, Biden DOJ Backing Norfolk Southern’s Bid To Block Lawsuits, all this after they screwed overworked rail workers for daring demanding more than one (1!!) single day of paid sick leave per year, amid rail companies high profits and terrible working conditions.

[content23423]

Residential loans in USA, CANADA  | Best commercial real estate loans USA CANADA 

Best Residential loans in USA, CANADA  | Best commercial real estate loans USA CANADA. In the USA and Canada, leading residential loan providers include Wells Fargo, Chase, and RBC Royal Bank. For commercial real estate loans, reputable options include Bank of America, TD Bank, and BMO Harris Bank. Consider factors like interest rates, loan terms, and customer service to determine the best fit for your residential or commercial real estate financing needs.

[charterunionfinance]

Understanding the Ins and Outs of Commercial Real Estate Financing

The bringing and molding of business land, like places of business, retail outlets, inns, and structures overseen by condos, requires significant capital speculation. Without sizable cash reserves, commercial real estate borrowings are what we need to use to buy estates and improvements.

Numerous common funding methods include bank loans, private lenders, Small Business Administration (SBA) loans, crowdfunding, and partnership models. In the present blog, these key terms in strategy commonly used in Commercial real estate finance will be fully analyzed to realize that this is as close as ever to the actual world scenario.

Types of Commercial Real Estate Finance

In the commercial real estate lending scheme, the universe of arrangements imbues the type of acceptable properties, the investors' objectives, and the borrowers' qualities. Common types of Commercial Real Estate finance include:

Traditional Loans: Banks and financial institutions are the dominant players in this area and tend to provide traditional mortgages with more stringent requirements, such as deposits and collateral.

Commercial Mortgage-Backed Securities (CMBS): Commercial mortgage bonds help flood capital into the primary lenders and give secondary market investors the necessary liquidity.

Bridge Loans: A short-term finance solution provides a temporary source of funds for those who need to cover the time gap between buying a property and obtaining permanent financing, commonly employed for renovations or reconstruction works.

SBA Loans: In governmental aid, the majority are government-supported loans managed by the SBA, which showcase reasonable interest rates and other affordable terms for eligible endeavors.

Equity Financing: Capital investors or backers, in exchange, provide shares or interest in commercial real estate projects, which are recoupable.

Plans for Securing Commercial Real Estate Financing

Build Strong Relationships: Nurture an active network with lenders and brokers and venture to investigate investors' interests to benefit from the funding sources and be informed about market trends and dynamics.

Prepare a comprehensive proposal: Create a solid and catchy business plan and investment proposal specifying what your objectives include, the financial and investment projections, and the possibilities of the return on investment to acquire the favor of potential lenders and investors.

Demonstrate Financial Stability: Showcase a stellar financial history, including your creditworthiness, liquidity, and the record of your investment's profitability, to bring financial providers on board and attract investors.

Explore Alternative Financing Sources: Seek alternative sources of non-traditional funding as well, like private lenders, crowdfunding companies, and REITs; the variety of default finance repertoire and broadening the opportunity for capital are certainly achieved through the variety of different sources of funding.

For More Information Visit us Site- https://www.charterunionfin.com/financial-solutions/

[charterunion1]

Commercial real estate finance

Commercial real estate finance involves various financial activities and strategies related to commercial properties, including office buildings, retail spaces, industrial facilities, hotels, and multifamily residential properties.

These are some of the fundamental aspects of commercial real estate finance. The field is dynamic and influenced by economic conditions, market trends, regulatory changes, and innovations in financial products and services. Working with experienced real estate professionals, lenders, and financial advisors is essential for navigating the complexities of commercial real estate finance effectively

Visit us:- https://www.charterunionfin.com/financial-solutions/

[heide-international-llc-florida]

Wondering how to take advantage of mortgage finance services in the United States. Get in touch with mortgage specialist in Boca Raton, Florida. Heide International is a one-stop solution for competitive finance programs for locals and citizens from France, Portugal, Brazil, Italy, and Germany.

With us we ensure to deliver perfect finance package considering needs. Get expert advice from mortgage experts for reverse mortgage loans, bank statement loans, conventional finance, veterans finance, lender portfolio loans, fixed-rate loans, home refinance, USDA mortgages, FHA mortgages, non-prime mortgages, and adjustable mortgages.

Visit us for low interest rate mortgages: www.heideinternational.com