Construction Financing

Steady cash flow is the blood line for any commercial construction project whether you are building an office building, retail center, industrial building, or any other type of income-producing property. We have a range of loans for construction of commercial property to fit your unique requirements. Our seasoned commercial lending officers have years of expertise in construction financing. Our team of commercial construction experts includes accountants, engineers, and other principals who make sure you achieve your desired goals.

A construction loan is a loan that help the borrower to build, expand, rehabilitate, or reposition a property. In most cases loans to finance a real estate development project fall under two broad categories, although sometimes these two loans will also be combined into one:

Short term financing. This caters the financing needs for the construction and lease up phase of the project.

Long term permanent financing. Once a project becomes stabilize and leases up to the market level of occupancy, the construction loan is "taken out" by longer term permanent financing.

Following plays a vital role in decisions related to a commercial construction loan:

  • Value of the finished project must be more than the cost of construction.
  • Loan-to-Value Ratio
  • Loan-to-Cost Ratio
  • Debt Service Coverage Ratio
  • Net-Worth-to-Loan-Size Ratio

If you have any questions about the Contruction Financing contact our mortgage advisors now.

We are just a call away, call us at 310-975-9739 or click the button below to apply online.

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Why Henry Munoz For Your Real Estate Financing, Listing Or Purchase Transactions

 Henry Munoz is a California Department of Real Estate licensed Real Estate Broker and Loan Officer.He has exceptional reputation as a Hard Money / Soft Money Private Money Lender in Torrance,California and  built on his capability to provide quick financing solutions for borrowers. Henry has  23  of years in residential, commercial, and business purpose loans secured by real estate, He is able to process your loan application quickly and give quick answers once the  property has been reviewed  to include a Title report and borrower information received.Fast answers usually usually 2-5 days.

Henry also holds a Los Angeles County Legal Document Assistant Registration which is a independent practicing paralegal.This come in handy when there are legal and title issues with a property.In order to obtain this registration,you must have completed a  accredited program in paralegal studies.In addition having and active bond.

As a Broker,he has acess to private and institutional lenders that are not be availble to the general public.Most loans are based on the value of the property and the loan to value.

Typically an asset based loan does not require exhaustive financial evaluation of the borrower.I welcome loans turned down by Banks and other Lenders.

Call Henry Munoz direct at 310-975-9739

For consumer residential loans- www.Hmrealestateloans.com

For consumer reverse mortgages also known as home equity conversion mortgage. www.reversemortgage-hecm.com

Don't trust your financing,purchasing or listing needs to a inexperienced loan officer or salesperson/agent

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