Commercial Mortgage Division

Program Guidelines/Preferred Property Types. 

Currently Lending in Major Metro Areas of California Only.  Out of State Commercial on Case-by-Case for Apartment buildings & O.O. General use Office, Warehouse & Retail Properties

 Loans for Purchase/Acquisition, Rate & Term Refinance or Cash-Out  Refinance for better cash flow management. Maybe your loan has a Call Date/Balloon coming due soon? Maybe you need to Buy-out Partner? Maybe you need more warehouse space, or  more working capital to purchase additional inventory?  Maybe the local commercial bank is no longer lending this quarter or just asking for  too much paperwork or personal guarantee/recourse? 

The needs are as versatile and unique as you and your business!  We're Here to Help you get Started

 Our Financing Programs offer fully amortized terms up to 20 years.  For our client's who are more cash flow driven;  Our 2, 3, 5, or 7 year fixed term, amortized to 25 Years might work best.  Please keep in mind - the shorter the fixed term the better the commercial rate offer will be.

Those out there offering a 6% fixed, leading one to also think  25 or 30 year fixed, need to make sure they read or heard that correctly, when shopping rates! Because often some other brokers  are quoting 2 year fixed, 760 fico, 50% or less LTV  scenario.  Please be sure the apples don't get mixed in with the orange cart as you visit other sites and talk to Commercial Loan Advisors!  

Pinnacle Mortgage Group represents dozens of Wholesale Commercial Lending Conduit's, including several small balance Commercial Mortgage Bankers.   See below for a list of property types we lend on.

Small Balance Loan Amounts & Loan Limits are;  $100,000.00  to $3,000,000.00.  The Stated Income/Stated Asset (no 1040's needed) program is available on loan amounts  from $100k to $1,000,000. 

Traditional  Loan Amounts  of  $5 Million  to $50 Million  require  standard documentation, dscr/cash-flow analysis, 3 years corp./personal taxes.   More Liberal debt ratio guidelines with higher LTV's (Currently our LTV's for this program go up to 90% with high Credit Scores and Owner Occupied Property) than most banks/traditional sources for funds at these loan amounts.

 Click Link below to access and print our Commercial Loan Application. Complete and fax back to our commercial division at; (714) 921-0484

   Commercial Loan Application.pdf

We lend on the following commercial property types;

• 5 + unit Apartment Buildings to  multi-building projects
• Retail Shops/Store
• Medical/Dental/Law Office Buildings & Office Condo's
• Warehouses & Storage Unit Facilities
• Light Industrial Buildings
• Industrial Buildings
• Light Manufacturing
• Strip Mall Shopping Centers
• Gas Stations / Automotive Repair Shops (environmental report)
• Mixed Use Commercial - Store front with residential in rear, etc.
• Restaurant/Bar
• Hospitality Industry - Hotel/Motel
• Grocery/Liquor/Convenience Store
• Elder Care Facilities / Nursing Homes

Our Commercial Mortgage Advisors are Certified Commercial Mortgage Specialists  having passed continuing education for Commercial Mortgage Financing, earning Certified Status from several major Commercial Lenders with whom Pinnacle Mortgage Group is affiliated

Note: Certain Loans and Property Type offer Stated Income/Stated Asset program as a possible option to borrowers with credit scores of 740 and higher and who prefer not having to provide last 2 years Personal/Business Tax Returns.  740 Minimum MID Scores Required  

Please scroll down for Today's Top Commercial Real Estate News   

And Please do mention us at your next Commercial Property Owners Association function. 

 Referral Incentives Can be Arranged such as $500 Home Depot/Lowes Gift Cards, etc.  Please Talk with one of our Comm. Loan Advisors for more on our Referral Program.  Thank you!