Welcome to APEX Mortgage

Presenting Your Borrower’s Scenario to Commercial Mortgage Lenders

First impressions are very important, and it’s no different in the commercial mortgage industry. You want to make a great first impression with every small-balance commercial loan you submit. In order to do so, you need to provide all of the information your lender will need up front. Here is the information you’ll need to […]

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Telling Your Commercial Mortgage Borrower’s Story

When you’re working with non-bankable borrowers, your storytelling abilities are very important. Non-conforming lenders are willing to work with these borrowers, as long as you’re able to make clear your borrower’s situation. As a commercial mortgage broker, you need to explain why your borrower was turned down by their bank, what their current financial situation […]

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Four Reasons Banks Turn Down Small-Balance Commercial Mortgage Requests

Throughout the country, there are many small business owners who are turned down by their local bank when they request financing. As a commercial mortgage broker, it’s important that you understand the reasons for a bank turndown, as well as what to do when your borrower can’t obtain traditional financing for their commercial property. Here […]

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The 4 C’s of Commercial Mortgage Lending: Character

The character of your borrower may be the most intangible factor to consider when working to get them a commercial mortgage loan. If you’re a commercial mortgage broker who works with non-bankable borrowers, this is particularly important, especially if you work with story lenders.  These lenders are willing to work with borrowers who have had […]

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The 4 C’s of Commercial Mortgage Lending: Capacity to Pay

Whether or not your borrower can make their monthly small-balance commercial mortgage payments will be a major factor in determining whether they receive the financing they need. As a commercial mortgage broker, it’s your job to collect the necessary information to present to your commercial mortgage lender to prove that your borrower does have the […]

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The 4 C’s of Commercial Mortgage Lending: Collateral

Part Two of a Four-Part Blog Series Whether you’re working with a borrower who needs to refinance an existing commercial property or is looking to purchase one, collateral is an important factor in underwriting any commercial mortgage loan. This is particularly true when the mortgage is secured by the property. As a commercial mortgage broker, […]

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The 4 C’s of Commercial Mortgage Lending: Credit

Part One of a Four-Part Blog Series Credit reports are an incredibly valuable tool for lenders when it comes to making financial decisions, so naturally, we receive a lot of questions from our commercial mortgage brokers about credit reports. It should come as no surprise that lenders prefer tri-merge credit reports as opposed to the […]

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How to Finance Your Borrower’s Day Care Property

In a time where many families need both parents to work outside the home, child care is in demand. Despite this, if your borrower is a small business owner looking to start your own day care, expand their current business or make improvements to their existing property; it can be difficult to obtain a small-balance […]

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Don’t Fear Small-Balance Commercial Mortgages

With Halloween just around the corner, it’s not unusual to run into some things that scare us. However, closing small-balance commercial mortgages shouldn’t frighten brokers. This niche in the commercial mortgage industry is under-served and full of opportunity for enterprising brokers. If the thought of getting involved in the business of closing commercial mortgages still […]

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When to Turn Down a Small-Balance Commercial Mortgage

A significant part of being a commercial mortgage broker is driving in as much business as possible, so it can be difficult to turn potential borrowers away. However, your ability to review deals and decide whether or not they’re worth your time is crucial to your success. You’re not going to want to spend a […]

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