Commercial Guidelines

Commercial GuidelinesAt UGMC, we don’t want to see you lose a commercial real estate transaction
because you can’t provide the financing your client needs. Before you let
another deal fall through, contact us. We offer a full range of real estate
lending solutions. One of our innovative and flexible programs is sure to be
able to help you close your borrower’s deal.

At UGMC, we offer lending programs for all types of commercial real estate,

  • Multi-family Properties
  • Mixed Use Buildings
  • Office Buildings
  • Industrial Buildings
  • Retail Properties
  • 3-4 Family Properties
  • Owner Occupied Buildings

Our Rates:
The rates we’re able to offer fluctuate subject to market conditions, but
we are guaranteed to be able to offer you the most competitive rates for the
type of funding we offer. If you have questions about a potential loan
solution, please call us for a specific rate quote.

Our Terms:
Depending on the circumstances of your borrower’s transaction, we can offer

  • A 5/5 Reset (ARM); or
  • A 10-Year Commitment
  • 70% LTV on refinances
  • 75% LTV on new acquisitions

Amortization Structure:
We offer loans amortized for up to 25 years for the following:

  • Owner occupied properties
  • Office buildings
  • Industrial buildings
  • Retail properties
  • 3-4 family properties.

We offer loans amortized for up to 30 years for the following:

  • Multi-family properties
  • Mixed-use properties
  • All loans are Full Recourse except for loans on multi-family properties,
    which are non-recourse.

Our Fees:
We charge an application fee of between $2500 and $4000. We offer loans
with 5,4,3,2,1 – Reset pre-payment penalties. Our closing costs include:

  • Appraisal Fee
  • Environmental Fee
  • Mortgage Tax
  • Recording Fee
  • Title Insurance
  • Bank Attorney Fee

Don’t let your borrowers be inconvenienced by a loan that’s unable to make
it to closing. At UGMC, our experienced professionals have the expertise to
be able to stop your deal from falling out. Contact us at UGMC today. We
have a full suite of lending solutions that can give you the help you need
to close your customers’ deals.

To contact us by phone please call 800–805-6945 or email us by clicking here.