WHOLESALE ABC CAPITAL CORP
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1 WHOLESALE MULTIFAMILY & MIXED-USE LOANS "FREDDIE MAC" ADVANTAGEOUS TERMS LOW "INTEREST ONLY" PAYMENTS CASH-OUT & RATE REDUCTION REFI & PURCHASE: $1,000, $5,000,000. ABC CAPITAL CORP MULTIFAMILY & COMMERCIAL MORTGAGE LENDER & CORRESPONDENT RATES, TERMS & FORMS GUIDE (718) quote@abcmortgage.us 38 States Lending Executive Offices: Union Turnpike, Fresh Meadows NY Copyright 2017 ABC Capital Corp
2 ABC CAPITAL CORP "WHOLESALE" MULTIFAMILY & COMMERCIAL MORTGAGE LENDER & CORRESPONDENT BANKER Multifamily & Mixed-Use Mortgage Financing; Correspondent "Freddie" SBL Guidelines & More! This Booklet Contains: "Wholesale" Multifamily Mortgage Rate Indications + Free - Fast & Simple "Property Loan Sizing": Application Included & "Freddie" SBL Introductory Information LOWER NATIONAL RATES & BORROWER ADVANTAGEOUS TERMS Multifamily & Mixed-Use Loans with "Freddie" Small Balance Loan Guidelines: $1,000, $5,000,000. $ Additional "Stated Income" Multifamily, Mixed-Use & Commercial Property Mortgages : $75, $5,000,000. Freddie, Fannie, FHA, CMBS Financing: $5,000,000 + ABC CAPITAL CORP. is a 38 State Mortgage Lender & Correspondent Banker (718) quote@abcmortgage.us Copyright 2017 ABC Capital Corp Booklet P 1 of 9
3 Attention Mortgage Brokers, Originators, & Mortgage Bankers Do You Want To Earn $10,000, $20,000, $50,000, or $100,000 Commissions For Originating One Multifamily (or Mixed-Use) Mortgage? ABC Capital Corp is a Wholesale Multifamily & Mixed-Use Mortgage Lender & Correspondent Banker To Begin, Just Submit A Completed "Loan Sizing Request", Combine A Signed Fee Agreement With An ABC Closing We Will Help You From There! Freddie Mac Bought about $55 Billion Dollars in Multifamily Mortgages in 2016! ABC will provide instruction; You can learn to close multifamily loans regularly too. Sample Rate Indications for Multifamily Loans $1,000,000 to $5,000,000 (as of 1/5/17); 3.83% 5 YEARS FIXED / HYBRID: 1.5% Origination Fee, Sample includes 1% Broker Backpoint, Max 80% LTV 4.31% 7 YEARS FIXED / HYBRID: 1% Orig'n Fee, Sample includes.50% Broker Backpoint, Max 80% LTV 4.45% 10 YEARS FIXED / HYBRID: 1.5% Orig'n Fee, Sample includes 1.00% Broker Backpoint; Max 80% LTV WHOLESALE BROKER/ORIGINATOR/BANKER NOTES: BROKER MAY EARN YSP & CHARGE BORROWER ADDITIONAL DIRECT COMMISSION, or CHARGE ENTIRE FEE DIRECTLY. Typical Lender "Origination Fee" Structures are:.50%, 1.00%, 1.50%, 2.00%, 2.50%. ABC CAPITAL CORP (718) Contact: Priscilla Li, VP After Hours Text: quote@abcmortgage.us Wholesale Processing Dept. Executive Offices: Union Turnpike, Fresh Meadows, New York City, NY Note: Typical Mortgage Loan Characteristics On Page 3 Booklet Page 2 of 9
4 ABC Capital Corp Announces: "Wholesale" Correspondent Multifamily & Mixed-Use Mortgage Contract for Freddie Mac Guidelines Loans (1/1/17) Page 3 ABC Capital Corp is pleased to inform you that we are now a contracted "Wholesale" Multifamily SBL Correspondent Originator of Wholesale Multifamily & Mixed-use Mortgage Loans (Freddie Mac Guidelines), for mortgage brokers, originators, & mortgage bankers; We do business in 38 states, providing: Wholesale multifamily and mixed-use mortgages: $1,000,000 to $5,000,000; very low interest rates & reduced personal income documentation, in addition to other loan advantages (below). ABC's pricing includes the availability of Yield Spread Premium to ABC's approved broker/banker/originator clients; combined with the professionalism and reliability of ABC's very experienced commercial loan top management, on a personalized basis. We are available to both existing ABC producers and new inquiries; 30+ years of mortgage banking experience and knowledge; here to provide successful closings for our clients' loans. FM ABC SBL MULTIFAMILY RATES INDICATIONS 12/15/16 - SBL multifamily & mixed-use loan terms : Very Low Fixed Interest Rates (38 states). Loans: $1,000,000 - $5,000,000 FAST LOAN SIZING Responses, Pre-approvals. Refinance Loans (Up to $5,000,000 Cash-Out), Rate Reduction Refis, & Purchase Loans Three Fixed Rate Loans: 5, 7, 10 Year Fixed Rate Balloon Loans Three Fixed Rate/ Hybrid Loans (5,7,10 Years Fixed Rate), Combined With Capped Adjustable Rate balance of term (20 Years Combined), Low Payments based upon 30 Years Amortization schedule. Up to 80% LTV Interest Only Monthly Payments for: 1, 2, 3 Years - Option Life of Loan Interest Only Option Lock-Ins at Application Available DCR's as low as 1.20 Non-Recourse Terms (Customary carve-outs) Assumable Credit Score >= 650 Declining Prepayment Penalties Options Available 30 Year Amortization Low Payments Option Available Insurance Escrow Waiver Available Option Real Estate Tax Escrow Waiver Considered Loan Amount Primarily Based Upon Subject Property's "Net Operating Income", Location, etc ABC CAPITAL CORP (718) Contact: Priscilla Li, VP quote@abcmortgage.us Wholesale Processing Dept. Note: Recent Interest Rate Indications - Page 4 Very Simple Loan Sizing Form - Pages 7 & 8 Booklet 3 of 9
5 Multifamily Eligible Property Types and Possible Exception Property Types: Generic Description: Multifamily housing properties with five or more residential units, including: Mixed-Use Properties (with limited space for various commercial uses (non-residential)) Cooperatives in the five boroughs of New York City and Long Island Seniors housing with no resident services Properties with tax abatements and Section 8 vouchers Low-Income Housing Tax Credit (LIHTC) properties with Land Use Restriction Agreements (LURAs) in the extended use period or in the final 24 months of the initial compliance period (in both cases, provided the tax credit investor has exited the project) Properties with certain regulatory agreements with local, state, or federal housing authorities that impose income and/or rent restrictions New Jersey 5 or 6 family properties closing in an entity name. NJ properties must always close in entity name. Student housing (With less than 50% student concentration. Requires underwriter exception) Military housing (With less than 50% military concentration. Requires underwriter exception) Multifamily Booklet P 4 of 9
6 ABC CAPITAL CORP: Multifamily & Commercial Mortgage Lender & Correspondent Banker (718) WHOLESALE "FREDDIE" SBL MULTIFAMILY & MIXED-USE MORTGAGE RATE INDICATIONS: $1,000, $5,000,000 Options: Up to 80% LTV, NO RECOURSE, INTEREST ONLY "Max. BROKER BACKPOINTS <= 2" PURCHASE & REFINANCE - "CASH-OUT"OK 5, 7, 10 YEAR FIXED RATE BALLOONS & 20 YEAR HYBRID LOANS; RATE INDICATIONS: (12/14/16) 3.96% 5 YEARS FIXED / 20 HYBRID: 0% Orig'n Fee, LOAN > $2,500, HH 3.83% 5 YEARS FIXED / HYBRID:.50% Orig'n Fee, $1MM+ Plan 50 A 3.83% 5 YEARS FIXED / HYBRID: 1% Orig'n Fee,.50 Back Broker 50C 3.83% 5 YEARS FIXED / HYBRID: 1.5% Orig'n Fee, 1.00 Back Broker 50D 3.83% 5 YEARS FIXED / HYBRID: 2.0% Orig'n Fee, 1.50 Back Broker 50E CALL% 5 YEARS FIXED BALLOON:.50% Orig'n Fee, $1MM - $5MM Plan 50 BB CALL% 5 YEARS FIXED BALLOON: 0% Orig'n Fee, LOAN> $2.5MM+ Plan 502.5BB 4.36% 7 YEARS FIXED / 20 HYBRID : 0% Orig'n Fee, LOAN > $2,500, HH 4.31% 7 YEARS FIXED / HYBRID:.50% Orig'n Fee, Plan 70 A 4.31% 7 YEARS FIXED / HYBRID: 1% Orig'n Fee,.50 Back Broker 70C 4.31% 7YEARS FIXED / HYBRID: 1.5% Orig'n Fee, 1.00 Back Broker 70D 4.31% 7 YEARS FIXED / HYBRID: 2.0% Orig'n Fee, 1.50 Back Broker 70E CALL% 7 YEARS FIXED BALLOON:.50% Orig'n Fee, $1MM - $5MM; Plan 70 BB CALL% 7 YEARS FIXED BALLOON: 0% Orig'n Fee, LOAN> $2.5MM+ Plan 702.5BB 4.49% 10 YEARS FIXED / HYBRID: 0% Orig'n Fee, LOAN > $2.5MM Plan102.5HH 4.45% 10 YEARS FIXED / HYBRID:.50% Orig'n Fee, $1MM-$5MM Plan 100A 4.45% 10 YEARS FIXED / HYBRID: 1% Orig'n Fee,.50 Back Broker; 100C 4.45% 10 YEARS FIXED / HYBRID: 1.5% Orig'n Fee, 1.00 Back Broker 100D 4.45% 10 YEARS FIXED / HYBRID: 2.0% Orig'n Fee, 1.50 Back Broker 100E CALL% 10 YEARS FIXED BALLOON:.50% Orig'n Fee, $1MM- $5MM Plan 100 BB CALL% 10 YEARS FIXED BALLOON: 0% Orig'n Fee, LOAN> $2.5MM; Plan 102.5BB ABC CAPITAL CORP Call: (718) Contact: Priscilla Li, VP quote@abcmortgage.us Accelerated Processing Dept Page 1 of 3; Booklet 5/9
7 ABC CAPITAL CORP Call: (718) Contact: Priscilla Li, VP Accelerated Processing Dept. OPTIONS: 1, 2, 3 YEAR INTEREST ONLY PAYMENTS & FULL TERM INTEREST ONLY NON - RECOURSE (standard carve-outs) ASSUMABLE MINIMUM CREDIT SCORE: > YEAR MONTHLY PAYMENTS AMORTIZATION; 20 YEAR HYBRID TERM "WEAK" 5 YEAR PREPAY PENALTY OPTION! TAX/INSURANCE ESCROW WAIVERS & DEFERRALS Options Considered RATE LOCK Terms Available; Discuss at inception. WHOLESALE BROKER/ORIGINATOR NOTES: MAXIMUM BROKER BACKPOINTS = 2.00 BROKER MAY ALSO CHARGE COMMISSION FEE DIRECTLY TO BORROWER Typical "Origination Fee" Structures are: 0,.50%, 1.00%, 1.50%, 2.00%, 2.50%. MULTIFAMILY & COMMERCIAL MORTGAGE LENDER, & CORRESPONDENT BANKER: "ALMOST ALL" COMMERCIAL PROPERTY TYPES - ASK US! See Page 3 of 3 Rate & Product Indication Sheets ABC CAPITAL CORP Call: (718) Contact: Priscilla Li, VP quote@abcmortgage.us Accelerated Processing Dept NOTES: Quoted rates are 55% LTV loans in particular geographic locations. (Maximum LTV is 80% depending upon subject property condition, location, DCR, tenancy history and current situation, subject applicant/guarantor, and underwriter's judgment of the risk.. Subject property DCR & LTV are directly relevant to loan approval and terms offered by the underwriter, if loan approved.. Changes in terms will occur loan by loan, based upon the underwriting information and perceived risk in making the loan. Top geographic and standard class geographic areas may receive the highest LTV. Lighter prepayment penalties, no recourse, rate locks, and other loan terms may be options that need to be requested and agreed to at inception of application process. BROKER, ORIGINATOR AND BANK INQUIRIES INVITED. Notice: ABC Capital Corp retains the right to discontinue, amend, or change any loan program without advance notice. Loan underwriting requirements may be amended on a loan by loan basis for any loan application. All loan programs are for commercial mortgage loans only, not applicable to one to four family owner occupied residential loans.. All fees are non-refundable. Rates are as of 12/14/1 ABC Capital is a 38 state commercial mortgage lender and correspondent banker.. Copyright ABC Capital Corp. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ABOVE RATES ARE INDICATIONS ONLY AS OF 12/14/16. Offices: Union Turnpike, Fresh Meadows, NY Copyright 2016 ABC Capital Corp.Indications P2/3;BookletP6/9 or *
8 ALMOST ALL COMMERCIAL PROPERTY TYPES CONSIDERED: ASK US! AUTO REPAIR GAS STATION BAR - TAVERN BED & BREAKFAST CLUB COMMERCIAL CONDO ENTERTAINMENT PROPERTY FUNERAL HOME HEALTH CARE PROPERTY HOTEL - MOTEL INDUSTRIAL PROPERTY MEDICAL PROPERTY MIXED-USE $1- $5 MILLION MIXED-USE MULTIFAMILY SMALL MULTIFAMILY OFFICE BUILDING OFFICE CONDO MOBILE HOME PARK RESTAURANT RETAIL RETAIL STORE/STRIP SELF-STORAGE SHOPPING MALL WAREHOUSE STATED INCOME MOST COMMERCIAL PROPERTY TYPES: YEAR LOANS A", "B", "C" Credit 3 and 8 Year Fixed/ Hybrids Assumable $75,000- $5,000,000+ HARD $ LOANS 6-36 Months Very Competitive Rates & Terms CALL FOR FAST QUOTE! NON-OWNER OCCUPIED 1-4 FAMILY INVESTOR PROPERTY FINANCING STATED INCOME COMPETITIVE RATES & TERMS STATED INCOME VERY LOW LOW FIXED RATES & HYBRIDS 80% LTV MAX. MULTIFAMILY & MIXED USE: $1,000,000 - $5,000,000 NO RECOURSE 5, 7, 10 YRS FIXED & 20 YEAR HYBRIDS SCORES >= 650 CONSIDERED Auto Repair Financing New Construction and Rehabilitation Financing Competitive Rates STATED INCOME COMMERCIAL MORTGAGES 70% LTV Maximum 25 YEAR FIXED RATE "A", "B", "C" Credit Cash Out Refi & Purchase MOST PROPERTIES $75,000 - $1,000,000 Did you know that ABC's CEO has 20+ years mortgage banking experience, as a principal, mortgage banker, direct lender, & servicer in 42 states? THE KEY TO CLOSINGS IS: "WHO YOU DO BUSINESS WITH & THEIR EXPERIENCE!" ABC CAPITAL CORP Call: (718) Contact: Priscilla Li, VP quote@abcmortgage.us Accelerated Processing Dept "WHOLESALE" MULTIFAMILY & COMMERCIAL MORTGAGE LENDER & CORRESPONDENT BANKER NO RECOURSE! LOW RATE! FREDDIE MAC GUIDELINES MULTIFAMILY & MIXED-USE LOANS $1,000,000 - $5,000,000 (Rate Indications On Page 1) P 3 of 3 BROKER AND BANK INQUIRIES INVITED. Notice: ABC Capital Corp retains the right to discontinue, amend, or change any loan program without advance notice. Loan underwriting requirements may be amended on a loan by loan basis for any loan application. All loan programs are for commercial mortgage loans only, not applicable to one to four family owner occupied residential loans.. All fees are non-refundable.. Rates are as of 12/14/1 ABC Capital is a 38 state commercial mortgage banker, lender, correspondent. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. ABOVE RATES ARE INDICATIONS ONLY AS OF 12/15/16. Executive Offices: Union Turnpike, Fresh Meadows, Queens, NY Copyright 2016 ABC Capital Corp Page 3 of 3 Rate & Program Pgs. Booklet P 7/9
9 ABC CAPITAL CORP (38 State Commercial Lending & Correspondent Banking) CONTACT Priscilla Li, VP: (718) MULTIFAMILY/MIXED-USE LOAN SIZING APPLICATION: COMPLETE & SUBMIT Applicant(s) Individual Names Business Address Business Cell Phone OfficeHome Address 1. Is this a Multifamily Purchase or Refinance Request? 2. What is the Name of the Subject Property 3. What is the Street Address of the Subject Property a. How many Residential Apartments? b. How many Office and Retail Units? c. Year built? d. Have there been any upgrades or renovations after initial construction? If so, when Describe 4. If a planned Purchase, how much is the Purchase Price? $ 5. If a refinance, how much did you originally pay for the subject property? $ When did you buy it (cost basis)? 6. Requested Loan Amount 7. How much is the Annual Net Operating Income for the Subject Property? $ Please include: P. 1 of 2 ; Booklet Page 8 of 9
10 i. Realistic market vacancy rate in the calculation. ii. Cost of a management fee of 4% - 5% iii. Capex reserves of $250 - $300/unit 8. Which Prepayment Option do you request? ( Note: Yield maintenance will provide the lowest rate). Circle 1 choice i. Yield maintenance ii. Strong prepayment penalty iii. Weak prepayment penalty 9. Do you request a temporary interest only monthly payment for (Circle 1) 1 Year (Option with 5 years fixed rate) 2 Years (Option with 7 years fixed rate) 3 Years (Option with 10 years fixed rate) 10. Do you prefer a 30 year Amortization Payment Loan with the lower monthly payment of principal and interest for the balance of the loan term? 11. Please Circle the Requested Loan Type: 5 Year Fixed Rate Balloon 7 Year Fixed Rate Balloon 10 Year Fixed Rate Balloon 5 Year Fixed Rate/15 Year Adjustable Rate Hybrid Loan 7 Year Fixed Rate/13 Year Adjustable Rate Hybrid Loan 10 Year Fixed Rate/10 Year Adjustable Rate Hybrid Loan Answering these questions enables ABC to provide a preliminary range of where the deal will size to (Loan Amount Preliminary Estimate - based upon information provided) In order for us to provide a more accurate Loan Sizing, we will need a: a. Recent rent roll b. Preferably a Trailing 12 Month Operating Statement. Please in PDF format only to: "quote@abcmortgage.us" FAST LOAN SIZING AVAILABLE! ADDRESS SUBJECT LINE: "PRISCILLA LI, VP:LS" Copyright 2017 ABC Capital Corp LS Form: Page 2 of 2 Booklet P 9 of 9
11 To whom it may concern: ABC CAPITAL CORP Union Turnpike Flushing, New York (718) BORROWER, PRINCIPAL, GUARANTOR SIGNATURE AUTHORIZATION FORM I hereby authorize ABC Capital Corp. to conduct: (1) a consumer credit report and verify other credit information, including past and present mortgage and landlord references; and (2) a background investigation report and verify both criminal and civil records. It is understood that a copy of this form will also serve as authorization by me allowing ABC Capital Corp to conduct these checks. The information ABC Capital Corp obtains is only to be used in conjunction with my inquiry into the multifamily or commercial mortgage loan I am considering. This authorization expires 180 days from the date below. Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as assigned herein, or as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. First Name (of loan applicant) Middle Name Last Name Date of Birth Social Security Number Current Address City State Zip Code Previous Address City State Zip Code Signature x ABC Capital Corp "Signature Authorization Form" Date
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