Uneek Mortagage Services’ Post

How do you get creative in closing deals in this high-interest-rate environment? One way my team has tackled deals is through assumable loans. The other way I see people closing deals right now is Seller Financing. There are so many creative ways to structure seller financing deals but here are the basics: 100% Seller Financing: The seller finances the property and assumes the role of the “traditional mortgage lender” Partial Seller Financing: The buyer gets the 1st mortgage loan, and the seller provides a second mortgage to help close the equity gap. Partial Assumable Seller Financing: The buyer assumes the existing mortgage, and the seller provides a second mortgage. Underwriting Seller Financing: If you’re using a template that has options to add multiple loans then you would fill out each loan according to the terms of the 1st mortgage and “2nd mortgage”. If you’re using a template that only has one option for debt then there are a couple of approaches to get an “initial” view of how the deal looks. One approach is to figure out what the blended interest rate would be and add up the total mortgage amount. Goal is to match what your total annual debt payment is to understand your cash flow. (Disclaimer! If one loan is amortizing with the other is interest only payments there will be some discrepancies. This is only a tip to get an initial look at your investment. You will need a more advanced template…reach out if you’re in need of an advanced template) #underwriting #multifamilyinvesting #sellerfinancing #financialmodeling

Not qualifying for a traditional loan? THIS might be the answer! 💡 Non-QM (Non-Qualified Mortgage) loans don’t follow the standard guidelines set by Fannie Mae or Freddie Mac. Who are they for? 🏘️ These loans are ideal for those who don’t qualify for traditional loans, like: 1️⃣ Self-employed individuals 2️⃣ People with lower credit scores 3️⃣ Borrowers with inconsistent income 4️⃣ Real estate investors Why choose a Non-QM loan? ✅ They offer more flexibility in approval, making it easier to qualify. What’s the catch? 💸 They often come with higher interest rates and may require a larger down payment. Not sure if a Non-QM loan is right for you? DM me and let’s explore your options! 🏦 Moses Alford - NMLS #2020941 Alford Lending Powered by NEXA Mortgage NMLS #1660690 📱 813-819-0222 📧 moses.alford@alfordlending.com 💻 https://lnkd.in/eWefZmua #NonQMLoans #MortgageOptions #SelfEmployedLoans #RealEstateInvestors #MortgageSolutions #HomeLoanHelp #RealEstateFinance #MortgageAdvice #HomeBuyerTips #MosesAlford #AlfordLending

As a mortgage lender, you know that accurate and timely appraisals are critical to closing loans efficiently.   At Absolute Lending Logistics, we specialize in delivering precise, error-free valuations that keep your deals on track. Our deep local market knowledge combined with a robust quality control process ensures you receive reliable appraisal reports every time. With our advanced technology and in-house reviews, we eliminate errors before they become obstacles. Imagine an appraisal process where you don't have to worry about delays or inaccuracies—just smooth transactions and satisfied clients. Ready to elevate your lending process? Let's connect and explore how we can support your success. Visit absolutell.com to learn more. #AbsoluteLL #MortgageLenders #AccurateAppraisals #QualityControl #EfficientClosings

Grow your real estate portfolio with ease. This Debt-Service Coverage Ratio (DSCR) home loan underwrites based on subject property cashflow, not personal income. #ClosingwithCertainty #DSCR #investmentproperty #ownrentalhome

Wow… Broker Client Earns $198,356.00 in 20 Days - PAID UP FRONT! Booyah to Anne D. (PA) - Closed Her First Commercial Mod in 20 Days and Got Paid 198k Up Front! (Her Email Shows Below) Setup Her Level 4 Program on 6/25/24 – Closed The 1st Deal Yesterday 7/15/24 - She’s Got 3 More Pending Worth Another 300k+… NOTE: There is No Stigma to Doing Commercial Mods Folks. You’re Simply Helping The Borrower Solve A Problem With Their Current Loan and Then Refinancing Them Later When it Stabilizes. Two Commissions vs. One! GETTING STARTED IS EASY: We Provide a 100% Turnkey Program. CALL 1.877.546.7005 or Email CREFxchange@Gmail.com  For FREE Media Kit (P DF Demo) Details She Reported: • Property = Office • State = OH *Lender = PNC • Balance = $19.8m • LTV = 77% ·1% Origination = $198,356.00 Failure is A Mathematical Impossibility! The Commercial Mod Program is A Cash Machine · You Don’t Need A New Lender - You’re Dealing With The Current · You Don’t Need Licensing in Any State Other Than AZ. · You Don’t Need Long Experience – We Provide All You Need · You CAN Earn Huge Commissions Now – 1% - 3% of Outstanding Loan Balance · You CAN Get Cash in The Door by Next Week – Mod Clients Pay Up Front! · You CAN Help Distressed Borrowers and Do Business with Them Twice!    (First Help with A Mod Proposal Then Refinance When Things Stabilize Later) · You CAN Turn Your Current Commercial Refinance Declines Into Instant Cash! CRE OUTSTANDING DEBT - NOTABLE DATA: * Over 4.6 Trillion in Commercial Debt Outstanding * 1.5 Trillion In Jeopardy Over The Next 12 – 18 Months • Loan Delinquency Expected to Skyrocket • Little Competition • No Licensing Requirement in Any State Other Than AZ * GET PAID UP FRONT! COMMERCIAL MOD PROGRAM METRICS: • 98% Renewal Rate on the program (2008 – 2024) • Avg Commission on Portfolio loan= $34,200.00 • Avg Commission on CMBS loan = $56,000.00 • Avg Time to First Deal Closed = 2.5 weeks • Common Prop Types = Hotels, Restaurants, Retail, Apartment / Multi-Family • Avg Loan Type = Portfolio 68% • Avg ROI 60 days = 26x Program Investment * Average Closing Ratio = 38% - DO THE MATH…. -------------------------------------------- -----Original Message----- From: annie___-- @ gmail .com Sent: July 16, 2024 10:34 AM To: Steve Subject: Losing it! We’re so pleased. Hi Steve, Couldn’t wait to contact you and let you know we closed our first commercial workout already. 198k paid to our attorney’s trust. What a confidence builder in terms of doing more of these deals going forward. The backend support was invaluable as we’re not yet familiar with the full process and client confidence is crucial. FYI, we have three more in process worth about another 300k. So glad we went with the higher level so we have those 50 cases for support. Cannot thank you and your team enough! Warmest Regards, Anne D. Managing Partner ___ Commercial Realty Capital, llc https://crefxchange.com #commercialleads #commercialmortgageleads

The trend of unusual income sources continue into this week. A Ltd Co director receiving repayment of a substantial directors loan. The loan account is sizeable, the turnover sufficient and sustainable, the Ltd Co a viable ongoing business. Most mortgage lenders will only use taxable earned income for mortgage affordability as evidenced on a payslip, P60 or the personal tax documents that are generated from HMRC upon successful completion of a tax return. Repayment of a directors loan is none of these and tax free! A lot of phone calls, a lot of “nopes”, enquiries to the 70+ mortgage lenders to which I have access with zero success. I found the lender for this client, that lender who sits in the 1% of lenders who understand business and business owners. The lender who can work to find a solution! Another tricky one, but another check in the win box for me.

Who doesn’t want to close loans as fast as possible? 🏃💨 Keeping borrowers in the know is an essential part of the job. It might even help loans close faster. The more clearly you can communicate with borrowers about what is needed on their end, the faster the loan application can be submitted. The faster the loan closes, the happier the borrower will be. Who doesn’t love that? Get more valuable mortgage business tips or explore our third-party processing solutions at https://hubs.la/Q02y2Fy20. #LoanProcessing #wemlo #BusinessTips

NEED MORE SOURCES FOR CRE FUNDING? Over 4,200 Sources Available to Our Active Clients. CALL: 877.546.7005 or Email CREFxchange@Gmail.com to Request FREE Media Kit (PDF Demo) OR > Visit us On The Web First to Learn More. Now is The Time to Stuff Your Pipeline With Quality Deal Flow That Will Fund in Q2 - Q4 Our Active Clients Have Access to Over 4,200 Commercial Funding Sources To Help Them Get Deals Done. Hedge, Life, REIT, Pension, Private Equity and Banks. Searchable using 10 criteria to find sourcing for any commercial loan. BUILD COMMERCIAL DEAL FLOW WITH OUR UNIQUE PLATFORM: 1) Exclusive Commercial Mortgage and or Modification Referral Leads 2) Lender Sourcing – Over 4,200 Searchable by up to 10 Loan Specifics to Target The Funding You Need to Close. HUGE OPPORTUNITY FOR BROKERS / LENDERS! OUR COMMERCIAL REFERRAL LEAD PROGRAM PROVIDES ALL YOU NEED * EXCLUSIVE Commercial Mortgage / Business Loan Leads – 1 Download Per * Referred / Not Internet Generated - By Realtors, CPAs * Verified Prior to Upload – If We Don’t Speak To Them, You’ll Never See it. * Returnable For No Contact or Borrower Signs Elsewhere * Training / Support Materials – Detailed Step by Step Training PDF * Sample Forms, Agreement, Docs, Auto Calculating Excel Sheet and More. #commercialleads #commercialmortgageleads https://lnkd.in/e7bPgXn

NEED MORE SOURCES FOR CRE FUNDING? Over 4,200 Sources Available to Our Active Clients. CALL: 877.546.7005 or Email CREFxchange@Gmail.com to Request FREE Media Kit (PDF Demo) OR > Visit us On The Web First to Learn More. Now is The Time to Stuff Your Pipeline With Quality Deal Flow That Will Fund in Q2 - Q4 Our Active Clients Have Access to Over 4,200 Commercial Funding Sources To Help Them Get Deals Done. Hedge, Life, REIT, Pension, Private Equity and Banks. Searchable using 10 criteria to find sourcing for any commercial loan. BUILD COMMERCIAL DEAL FLOW WITH OUR UNIQUE PLATFORM: 1) Exclusive Commercial Mortgage and or Modification Referral Leads 2) Lender Sourcing – Over 4,200 Searchable by up to 10 Loan Specifics to Target The Funding You Need to Close. HUGE OPPORTUNITY FOR BROKERS / LENDERS! OUR COMMERCIAL REFERRAL LEAD PROGRAM PROVIDES ALL YOU NEED * EXCLUSIVE Commercial Mortgage / Business Loan Leads – 1 Download Per * Referred / Not Internet Generated - By Realtors, CPAs * Verified Prior to Upload – If We Don’t Speak To Them, You’ll Never See it. * Returnable For No Contact or Borrower Signs Elsewhere * Training / Support Materials – Detailed Step by Step Training PDF * Sample Forms, Agreement, Docs, Auto Calculating Excel Sheet and More. #commercialleads #commercialmortgageleads https://lnkd.in/dfUHB29

Wow… Broker Client Earns $198,356.00 in 20 Days - PAID UP FRONT! Booyah to Anne D. (PA) - Closed Her First Commercial Mod in 20 Days and Got Paid 198k Up Front! (Her Email Shows Below) Setup Her Level 4 Program on 6/25/24 – Closed The 1st Deal Yesterday 7/15/24 - She’s Got 3 More Pending Worth Another 300k+… NOTE: There is No Stigma to Doing Commercial Mods Folks. You’re Simply Helping The Borrower Solve A Problem With Their Current Loan and Then Refinancing Them Later When it Stabilizes. Two Commissions vs. One! GETTING STARTED IS EASY: We Provide a 100% Turnkey Program.  CALL 1.877.546.7005 or Email CREFxchange@Gmail.com  For FREE Media Kit (P DF Demo) Details She Reported: • Property = Office • State = OH *Lender = PNC • Balance = $19.8m  • LTV = 77% ·1% Origination = $198,356.00 Failure is A Mathematical Impossibility! The Commercial Mod Program is A Cash Machine · You Don’t Need A New Lender - You’re Dealing With The Current · You Don’t Need Licensing in Any State Other Than AZ. · You Don’t Need Long Experience – We Provide All You Need · You CAN Earn Huge Commissions Now – 1% - 3% of Outstanding Loan Balance · You CAN Get Cash in The Door by Next Week – Mod Clients Pay Up Front! · You CAN Help Distressed Borrowers and Do Business with Them Twice!   (First Help with A Mod Proposal Then Refinance When Things Stabilize Later) · You CAN Turn Your Current Commercial Refinance Declines Into Instant Cash! CRE OUTSTANDING DEBT - NOTABLE DATA: * Over 4.6 Trillion in Commercial Debt Outstanding * 1.5 Trillion In Jeopardy Over The Next 12 – 18 Months (Source MBA Q3/CRE Debt Outstanding Report) • Loan Delinquency Expected to Skyrocket • Little Competition • No Licensing Requirement in Any State Other Than AZ * GET PAID UP FRONT! COMMERCIAL MOD PROGRAM METRICS: • 98% Renewal Rate on the program (2008 – 2024) • Avg Commission on Portfolio loan= $34,200.00 • Avg Commission on CMBS loan = $56,000.00 • Avg Time to First Deal Closed = 2.5 weeks • Most common property types = Hotels, Restaurants, Retail, Apartment / Multi-Family • Avg Loan Type = Portfolio 68% • Avg ROI 60 days = 26x Program Investment * Average Closing Ratio = 38% - DO THE MATH…. ------------------------------------- -----Original Message----- From: annie___-- @ gmail .com Sent: July 16, 2024 10:34 AM To: Steve Subject: Losing it! We’re so pleased.   Hi Steve, Couldn’t wait to contact you and let you know we closed our first commercial workout already. 198k paid to our attorney’s trust. What a confidence builder in terms of doing more of these deals going forward. The backend support was invaluable as we’re not yet familiar with the full process and client confidence is crucial. FYI, we have three more in process worth about another 300k. So glad we went with the higher level so we have those 50 cases for support. Cannot thank you and your team enough! Warmest Regards, Anne D. Managing Partner ___ Commercial Realty Capital, llc https://crefxchange.com