| Series 1000 | Industrial/Office/Retail/Rates posted for loans>$1,000,000/lower loan amounts= Rate increase up to .25bps |
|---|
| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 3 Yr Hybrid | 4.80% | 2.75% | 3 Yr CMT | 9.80% | 1.25 | 70/70/70 | 30/10 | 2,1% | $400,000-$8,000,000 |
| 5 Yr Hybrid | 4.95% | 2.75% | 5 Yr CMT | 9.95% | 1.25 | 70/70/70 | 30/10 | 3,3,2,1% | $400,000-$8,000,000 |
| 7 Yr Hybrid | 5.15% | 2.750% | 7 Yr CMT | 10.15% | 1.25 | 70/70/70 | 30/10 | 4,3,3,2,2,1% | $400,000-$8,000,000 |
| Series 2000 | Office/Retail/Medical/Industrial/Mixed-Use/Mote/Hotel/warehouse/ Rates posted for loans>$1,000,000 |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 6 Mo ARM | 4.875% | 3.00% | 6 Mo. Libor | 10.875% | 1.25(P)/1.30(R) | 70/70/70 | 25/10 | 3,2,1% | $500,000-$5,000,000 |
| 3 Yr Fixed | 4.10% | 2.50% | 6 Mo. Libor | 10.100% | 1.25(P)/1.30(R) | 70/70/70 | 25/10 | 3,2,1% | $500,000-$5,000,000 |
| 5 Yr Fixed | 4.225% | 2.50% | 6 Mo. Libor | 10.225% | 1.25(P)/1.30(R) | 70/70/70 | 25/10 | 5,4,3,2,1% | $500,000-$5,000,000 |
| Series 3000 | Light Industrial/Office/Self-Storage/Mixed-Use-California Only and No Retail accepted at this time |
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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 ARM | 4.30% | 3.425% | 6 Mo Libor | 10.30% | 1.25-1.35 | 70/70/65 | 25/10 | 3,2,1% | $500,000-$6,000,000 |
| 3 Yr Fixed | 4.40% | 3.425% | 6 Mo Libor | 10.40% | 1.25-1.35 | 70/70/65 | 25/10 | 3,2,1% | $500,000-$6,000,000 |
| 5 Yr Fixed | 4.50% | 3.425% | 6 Mo Libor | 10.50% | 1.25-1.35 | 70/70/65 | 25/10 | 5,4,3,2,1% | $500,000-$6,000,000 |
| Series 4000 | Qualifying CRE Properties must be located in San Diego County,Orange County,San Bernardino County, Riverside, Los Angeles County |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr Fixed | 3.825% | 2.50% | 1 Yr CMT | 9.825% | 1.35 | 75/75/75 | 30/10 | NONE | $1,000,000-$10,000,000 |
| 7 Yr Fixed | 4.00% | 2.50% | 1 Yr CMT | 10.00% | 1.35 | 75/75/75 | 30/10 | NONE | $1,000,000-$10,000,000 |
| 10 Yr Fixed | 4..125% | 2.50% | 1 Yr CMT | 10.125% | 1.35 | 75/75/75 | 30/10 | NONE | $1,000,000-$10,000,000 |
| Series 5000 | Industrial/Self Storage/ Retail & Office-case by case basis/NNN Properties located in CA,AZ,CO,ID,NV,OR,TX,UT,WA |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr fxed | 3.850% | 2.95% | 6 Mo. Libor | 10.50% | 1.35/1.40 | 65/65/60 | 30/15 | 5,4,4,3,2,1% | $2,000,000-$20,000,000 |
| 7 Yr fixed | 3.850% | 2.95% | 6 Mo. Libor | 10.50% | 1.35/1.40 | 65/65/60 | 30/15 | 5,4,4,3,2,2,2,2,1% | $2,000,000-$20,000,000 |
| 10 Yr fixed | 4.10% | 2.95% | 6 Mo. Libor | 10.50% | 1.35/1.40 | 65/65/60 | 30/15 | 5,5,4,4,3,3,2,2,2,2,1,1,1% | $2,000,000-$20,000,000 |
| SBA | Nationwide- subject to property & borrower qualifications |
|---|
| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| SBA 7A | 5.25%-6.00% | 2.00%-2.75% | 10 Yr Treasury | Same as start Rate | 1.25 | 85/85/85 | 25/25 | 3,2,1% | $500,000 -$5,000,000 |
| SBA 504 | 4.00%-4.75% | 2.00%-2.75% | 10 Yr Treasury | Same as start Rate | 1.25 | 90/90/90 | 25/10 | 5,4,3,2,1% | $500,000 -$4,000,000 |
| 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 91745 |
We are industry experts dedicated to providing our clients the best loan programs, unparalleled service and certainty in execution
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www.albcommercialcapital.com