| Series 100 | Los Angeles, Orange, Riverside, San Diego, Santa Barbara, and Ventura counties Loans > $2 Million less 10BPS, Interest Only up tp 5yrs |
|---|
| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 3 Yr Fixed | 5.85% | 2.50% | 1 Yr CMT | 10.95% | 1.20 | 65/65/65 | 30/30 | 3-2-1% | $750,000-$10,000,000 |
| 5 Yr Fixed | 5.85% | 2.50% | 1 Yr CMT | 10.95% | 1.20 | 65/65/65 | 30/30 | 5-4-3-2-1% | $750,000-$10,000,000 |
| 7 Yr Fixed | 6.10% | 2.50% | 1 Yr CMT | 10.95% | 1.20 | 65/65/65 | 30/30 | 5-5-4-4-3-2-1% | $750,000-$10,000,000 |
| 10 Yr. Fixed | 6.20% | 2.50% | 1 Yr CMT | 10.95% | 1.20 | 65/65/65 | 30/30 | 5-5-4-4-3-3-2-2-1-1% | $750,000-$10,000,000 |
| Series 200 | Los Angeles, Orange, San Diego, Ventura, Santa Barbara, Riverside, San Bernardino Loans < $750K add .25% to rate and margin = 2.75% |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 3 Yr Fixed | 6.00% | 2.625% | 30 Day SOFR | 12.00% | 1.20 P/RT/CO | 75/75/75 | 30/30 | 3-2-1% | $500,000-$15,000,000 |
| 5 Yr Fixed | 6.25% | 2.625% | 30 Day SOFR | 12.00% | 1.20 P/RT/CO | 75/75/75 | 30/30 | 3-3-2-1-1% | $500,000-$15,000,000 |
| 7 Yr Fixed | 6.20% | 2.625% | 30 Day SOFR | 12.200% | 1.20 P/RT/CO | 75/75/75 | 30/30 | 4-4-3-2-2-1-1% | $500,000-$15,000,000 |
| Series 300 | Throughout California-Primary Markets near Core Employment-Secondary Markets LTV's may be lower Cash out + 10-35 BPS increase in Rate |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 1 YR. Fixed | 6.85% | 2.950% | SOFR | 12.85% | 1.20-1.20 | 75/75/70 | 30/30 | 2-1-1% | $500,000-$6.000,000 |
| 3 YR. Fixed | 6.85% | 2.950% | SOFR | 12.85% | 1.20-1.20 | 75/75/70 | 30/30 | 3-2-1% | $500,000-$6.000,000 |
| 5 Yr. Fixed | 6.75% | 2.950% | SOFR | 12.75% | 1.20-1.20 | 75/75/70 | 30/30 | 5-4-3-2-1% | $500,000-$6.000,000 |
| 7 Yr. Fixed | 6.90% | 2.950% | SOFR | 12.90% | 1.20-1.20 | 75/75/70 | 30/30 | 5-4-3-3-2-2-1% | $500,000-$6.000,000 |
| Series 400 | Los Angeles, Orange, Santa Barbara, Ventura, and San Diego, Riverside, and San Bernardino CO > 20% = 0.125% rate increase |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 3 Yr Fixed | 5.63% - 5.88% | 2.00% -2.25% | 3 Yr CMT | 5% over Start Rate | 1.25 -1.30 | 75/75/70 | 30/15 | No Prepay | $500,000- $5,000,000 |
| 5 Yr Fixed | 5.69% - 5.94% | 2.25% - 2.50% | 5 Yr CMT | 5% over Start Rate | 1.25 -1.30 | 75/75/70 | 30/15 | No Prepay | $500,000- $5,000,000 |
| 7 Yr Fixed | 6.20% - 6.45% | 2.75% - 3.00% | 7 Yr CMT | 5% over Start Rate | 1.25 -1.30 | 75/75/70 | 30/15 | No Prepay | $500,000- $5,000,000 |
| 10 Yr Fixed | 6.47% - 6.72% | 3.00% - 3.25% | 10 Yr CMT | 5% over Start Rate | 1.25 -1.30 | 75/75/70 | 30/15 | No Prepay | $500,000- $5,000,000 |
| Series 500 | Top Markets AK, AZ, CA, HI, ID, NV, OR, UT, and WA Rate increase for Standard Markets, Stepdown prepays, and interest only options |
|---|
| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr Fixed | 5.75% | 3.25% | SOFR | 5% over Start Rate | 1.20 (P/R/CO) | 80/80/80 | 30/20 | Yield Maintenance | $1,000,000-$6,000,000 |
| 7 Yr Fixed | 5.80% | 3.25% | SOFR | 5% over Start Rate | 1.20 (P/R/CO) | 80/80/80 | 30/20 | Yield Maintenance | $1,000,000-$6,000,000 |
| 10 Yr Fixed | 5.68% | 3.25% | SOFR | 5% over Start Rate | 1.20 (P/R/CO) | 80/80/80 | 30/20 | Yield Maintenance | $1,000,000-$6,000,000 |
| Series 600 | Selective Areas in California- Maximum LTV subject to change based on market area |
|---|
| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr Fixed | 5.56% | 2.00% | 5 Yr CMT | 6% over Start rate | 1..20 | 75/75/75 | 30/10 | 5,4,3,2,1% | $500,000-$7,500,000 |
| 12 Month Bridge | 8.99% | N/A | N/A | 8.99% | Asset Based Program | 85/75/75 | 12 months I/O | No Prepay Fee | $1,000,000-$7,500,000 |
| Rates & Terms are subject to change without notice. Some restrictions may apply and borrowers are subject to qualification. This information is provided to assist real estate professionals and investors only, and is not intended for distribution to or for use by the general public. ALB Commercial Capital is a Licensed CA Broker DRE # 01379610. 2476 Lake Ave, Altadena, CA 91001 |
We are industry experts dedicated to providing our clients the best loan programs, unparalleled service and certainty in execution
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