Friday, September 22, 2017
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Phil Joseph
Branch Manager
Sr. Mortgage Loan Originator
Over 20 Years Experience
Sierra Pacific Mortgage
Rancho Bernardo Branch
11770 Bernardo Plaza Court #451
San Diego California 92128

Direct: 619.507.3558
Fax: 858.430.2557
Email: Phil@PhilJoseph.com
Website: www.PhilJoseph.com
NMLS# 249549
Branch NMLS# 279118
Company NMLS# 1788
 
Licensed in California by the Department  of Business
Oversight under the Residential Mortgage Lending Act 417-0015 
Not Licensed in the state of New York.
 
Sierra Pacific Mortgage may not be the lender for all products offered on this website. Some loans may be made by a lender with whom Sierra Pacific has a business relationship.


 
Phil Joseph
Branch Manager
Sr. Mortgage Loan Originator
Over 20 Years Experience
Sierra Pacific Mortgage
Rancho Bernardo Branch
11770 Bernardo Plaza Court #451
San Diego California 92128

Direct: 619.507.3558
Fax: 858.430.2557
Email: Phil@PhilJoseph.com
Website: www.PhilJoseph.com
NMLS# 249549
Branch NMLS# 279118
Company NMLS# 1788
 
Licensed in California by the Department  of Business
Oversight under the Residential Mortgage Lending Act 417-0015 
Not Licensed in the state of New York.
 
Sierra Pacific Mortgage may not be the lender for all products offered on this website. Some loans may be made by a lender with whom Sierra Pacific has a business relationship.


Commercial Loans

Commercial lending is not standardized as it relates to programs and guidelines. What regulations do exist will change over time and with market conditions. Since commercial loans usually represent a significant business expense it is always prudent to consult a real estate professional, attorney, accountant, and commercial lender to provide all the information needed to make an informed decision that meets the needs of the business.

Commercial Debt Ratios
This article explains how the Monthly Housing Expense and Debt to Income ratios are calculated.

Commercial Debt Service Coverage Ratio
This article explains how the Debt Service Coverage Ratio on commercial property loans is calculated.

Commercial Lending Ratios
This article provides additional information on how ratios are used in commercial lending.

Commercial Loan Checklist
This list will help you identify the types of information a banker will need to make an informed decision about your business.

Commercial Loan to Value Ratios
This article explains how the loan-to-value (LTV) ratio is calculated.

Commercial Property Types
This article lists some of the types of properties that require commercial financing.

Commercial Underwriting Guidelines
This article details some of the common criteria lenders evaluate in a commercial loan application package.

Commercial Financing Options
This article reviews some of the financing options available for commercial lending.

Questions to Ask Yourself
This article provides some questions for the borrower to review with any commercial lender.