Tailored Mortgage Solutions
Commercial Mortgage Brokerage Services in Phoenix, AZ
At Tailored Mortgage Solutions, we specialize in providing personalized commercial mortgage services to meet the unique needs of your business. Whether you're seeking financing options or refinancing strategies, our expert team offers guidance and support every step of the way.
Our Commercial Mortgage Loan Offerings
We provide a diverse range of loan options, catering to businesses of all sizes. Our loans range from $1,000,000 to $100,000,000.
Bank Loans: Traditional financing options through reputable banks.
Agency Loans: Flexible terms with government-backed guarantees.
Bridge Loans: Short-term solutions for immediate financing needs.
SBA 7(a) and SBA 504 Loans: Small Business Administration loans with competitive rates and terms.
USDA Loans: Rural development loans are available for businesses in eligible areas.
CMBS Loans: Commercial Mortgage-Backed Securities for large-scale financing.
Ground Lease: Long-term leasing options for land use.
REITs: Real Estate Investment Trusts for diversified property investment.
Preferred Equity and Mezzanine Loans: Hybrid financing options combining debt and equity features.
C-Pace Loans: Property Assessed Clean Energy financing for energy-efficient improvements.
Why Choose Us?
Personalized Service: Tailored solutions designed to fit your specific business requirements.
Expert Guidance: Professional advice from experienced mortgage brokers.
Comprehensive Support: Assistance through every stage of the mortgage process.
Loan Programs
Bank Loans
Banks offer loans to businesses for real estate purchases, equipment financing, working capital, and expansion projects. Loans range from $500K to $75M, with fixed or variable interest rates and short to long-term repayment terms. Collateral may be required, and creditworthiness will be evaluated. Interest rates vary from 5.54% to 8.25% for terms of 5, 7, or 10 years.
Agency Loans
Agency Multifamily loans are guaranteed by government-sponsored entities such as Fannie Mae or Freddie Mac. They offer flexible terms, competitive interest rates, and high loan-to-value ratios. The loan amounts can range from $750,000 to $100 million or more, with a typical loan term between 5 and 30 years and interest rates ranging from 5.34% to 6.98%.
Bridge Loans
- Bridge loans available for various property types- Loan size ranges from $1 million to $30 million
- Term of 6 months to 3 years
- Interest rates start from 7% and go up to 11%
- LTV is up to 75%
- Origination fee ranges from 1% to 3%
SBA Loans 7 (a) and 504 Loans
- The SBA provides partial guarantees for loans to qualified businesses for real estate properties
- There are two popular programs: the SBA 504 program (only for real estate) and the SBA 7(a) program (can be backed by real estate and other collateral)
- Small business borrowers can get high maximum leverage (90% LTC)
- Loan amount ranges from $250,000 to $14 million with a typical term of 5 to 25 years
- Interest rates vary from 5.54% to 8.25%, and the loans are not non-recourse
USDA Commercial Loans
The B&I loan program offers loans ranging from $2 million to $25 million for businesses in the following industries: hotels/RV parks, family entertainment centers (movie theaters, bowling alleys, go-karting, waterparks, and amusement parks), oil and gas, waste removal services & landfills, commercial real estate properties, restaurants, dentists/healthcare providers, manufacturing facilities, industrial facilities, grocery stores, and textile manufacturing.
CMBS Loans
CMBS Loans: These are loans provided by commercial mortgage-backed securities (CMBS) lenders, with loans ranging from $3 million to $100 million or more. The typical terms of these loans are 1-3 years, and the interest rates range from 6.79% to 13.04%.
Ground Leases
- Ground leases allow developers to lease a piece of land long-term and build or retain commercial property.- This arrangement allows developers to unlock the financial potential of the land without selling off their ownership of the building or other improvements.
- Ground leases are typically used for large-scale projects and can involve significant sums, ranging from $10 million to $100 million.
REITs
- REITs allow investing in commercial real estate assets publicly or privately
- They offer equity or debt investments, dividend-based income, and portfolio diversification
- They provide competitive market performance, inflation protection, transparency, and liquidity
- Investment range is typically between $10 million and $100 million
C-PACE
- C-PACE is a financing program for energy-efficient and renewable energy improvements on commercial property.
- It funds the gap between senior loans and sponsor equity.
- The check size ranges from $1 million to $100 million or more.
Life insurance company loans
- Life insurance company loans are popular due to low fixed rates and long-term nature
- These lenders consider stable property loans from reliable borrowers
- Loan amount typically between $1 million to $100 million
- Typical term ranges from 5 to 15 years
- Interest rates charged usually fall between 5.35% to 6.80%
- Non-recourse options are available
Mezzanine and Preferred Equity
Type of financing: Mezzanine/Preferred EquityLoan amount: $10-100 million
Term: 3-7 years
Interest rate: Mezzanine/Preferred Equity - 11-14%
LTC/LTV: Up to 80% as-stabilized
Recourse: Non-recourse, except for standard carve-outs
Property types: All major property types, storage, senior housing, student housing, and life science
Structure: Customized for each transaction with future fundings, earnout fundings, release flexibility, and an interest reserve
Fees: Origination, exit, and extension fees may apply.
Family offices
- Family offices invest in real estate through debt and equity
- They can be more flexible than traditional sources of investment
- Family offices prioritize wealth creation and preservation through trusted relationships
- Investment range typically falls between $5M-$100M
Commercial Mortgage Solutions
Our expert team in Phoenix, AZ, provides tailored commercial mortgage solutions to help businesses secure financing for their real estate needs. Trust us for competitive rates and personalized service.
Get in touch
Send us a message and we'll get back to you as soon as we can.