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How Much Would you Pay?
| Comparison $1MM Purchase |
| Costs |
100% LTV |
90% CLTV |
| Down |
0% |
$100,000 |
| Member 2% |
$20,000 |
$0 |
| Appraisal |
$3500 |
$3500 |
| other fees |
$3000 |
$3000 |
| Lender fee |
$500 |
$500 |
| Total cash needed |
$27,000 |
$107,000 |
| Comparison $300,000 Purchase |
| Costs |
100% LTV |
90% CLTV |
| Down |
0% |
$30,000 |
| Member 2% |
$6,000 |
$0 |
| Appraisal |
$1500 |
$1500 |
| other fees |
$3000 |
$3000 |
| Lender fee |
$500 |
$500 |
| Total cash needed |
$11,000 |
$35,000 |
| Comparison $2MM Purchase |
| Costs |
100% LTV |
90% CLTV |
| Down |
0% |
$200,000 |
| Member 2% |
$40,000 |
$0 |
| Appraisal |
$3500 |
$3500 |
| other fees |
$4000 |
$4000 |
| Lender fee |
$500 |
$500 |
| Total cash needed |
$48,000 |
$208,000 |
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"400Bankers.com has over four hundred approved Commercial Bankers"
90% To 100% LTV Commercial Loan / Business Loan
This is a special Commercial and Business financing program from 90% to 100% LTV for acquisition and construction projects from $150,000 to $450 Million worldwide. The program is a investor membership program and uses membership fee to leverage high LTV by pooling member funds and acquiring additional security instruments to secure up to 100% financing.
Funding available for any commercial property type from Apartment buildings and condo conversions to office, warehouse, hotels, resorts, and gas stations. Borrower or the property must have strong cashflow. Personal stated income OK, but property income must be verified!
90% To 100% LTV LOAN!
NO EQUITY FINANCING!
This program is very special. Some members who qualify for traditional loans receive down payment assistant loans 5% to 25% of purchase price with interest rates 6% - 7% interest only no matter what the credit score is. For Max 100% LTV!
90% to 100% LTV LOAN PROGRAM Requirement
PLEASE READ =>
Borrower must first sign up for a special investor membership account with the lender in order to apply for 90% to 100% LTV Loan. This program is only available to members of lender's network.
Minimum investor membership fee is $5,000+ and it's 100% refundable ANYTIME after 6 months of membership sign-up if member
is unsatisfied with the service or doesn't get the financing. Members who get 90% to 100% LTV loan will not receive
membership fee refund. This program has been available now for almost 2 years. See below for more information.
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Loan Criteria |
90% LTV - 100% LTV Program guidelines |
| Loan Size |
$150,000 to $450MM USD |
| Lending area |
Worldwide including USA (50 states), Mexico, Canda, UK, Australia, etc. |
| Type |
Acquisition or Construction |
| Loan-To-Value |
90% - 100% of purchase price |
| Loan-To-Cost |
100% cost financing |
| Property Type |
Multifamily, Mixed-Use, Condo Conversion, Office, Hotel, Motel, Resort, Industrial, Senior housing, Retail, Warehouse, golf course, Adult Entertainment, gas station, Oil projects, Humanitarian projects, and many more.
(Financing available for commercial real estate or business acquisitions where real estate is included)
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| DCR |
1.10 minimum |
| Downpayment |
0% |
| Interest Rate |
6% - 10% |
| Term |
2 Year, 3 year, 5 Year, 7 Year, 10 Year |
| Amortization |
Interest Only or up to 30 year amortization |
| Credit Score |
no min, no late payments last 12 months.
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| Property Condition |
A, B, C |
| Lender Fee(s) |
0% to 1% |
| Broker Fee(s) |
0% |
| Referral Fee(s) |
$50 nonrefundable due at loan submission (paid to 400Bankers) |
| Closing Fees |
$5,000 to $15,000 depending on deal size
Appraisal $2,500+, title insurance, title search, taxes, attorney fees, etc.
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| Commitment Fee |
None |
| Debt |
Non-Recourse or Full Recourse depending on loan structure |
| Prepayment Penalty |
None to 5% depending on loan |
| Closing Time |
60-90 days |
Membership Fee
(Refundable) |
One-time fee. Minimum $5,000 or 2% of total loan amount (whichever greater) if credit score 640+
Credit scores below 640 the fee is $5,000 or 3% of loan amount (whichever greater)
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| Documents & Reports |
Financial Statement, Rent roll, Income & Expense statement, Appraisal, Property Condition Assessment, Phase One Site Assessment, Survey
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| Program Details |
How To Get 100% LTV Loan
STEP 1) Submit Online Application & pay our Referral fee
STEP 2) Use our referral link to join the Lender's Membership Program. Pay membership fee to become a member. Fee is paid directly to the lender (not 400bankers).
STEP 3) Submit Loan application at lender's website using your member ID
Membership Fee(s):
Minimum $5,000 or 2% of total loan amount (whichever greater) if credit score 640+
Credit scores below 640 the fee is $5,000 or 3% of loan amount (whichever greater)
If you pay $20,000 membership fee and get a loan of $1MM and want another loan of $500,000...you'll have pay additional membership fee of $10,000 in order to apply for additional $500,000 loan.
Example: You want 90% LTV on a $1M Purchase.
Total loan needed $900,000 (90% LTV)
Your membership fee 2% of $900K ($18,000)
Your Down payment $100,000
Example: You want 100% LTV on a $1M Purchase.
Total loan needed $1,000,000 (100% LTV)
Your membership fee 2% of $1M ($20,000)
Your Down payment $0
PLEASE READ:
As a member you can apply for as many loans as you want as long as you stay below the max loan amount allowed for your membership fee.
Example: You pay $20,000 (2%) for membership you can apply for couple loans as long as the total is below $1M.
Membership fee is 100% refundable after 6 months if you're not happy with the service or have not received funding.
Borrowers who wish to apply for 90% LTV to 100% LTV must join the membership program first and pay the membership fee. Once you're a paid member you can apply for the loan. As a member you will have have access to various investment opportunities such as discount notes, tax liens, business notes, equity participation, etc. You will also receive up to 2.5% - 200% bonus on your membership fee depending how long you stay a member. Membership fee is 100% refundable after 6 months and may be requested anytime after 6 months.
Apply through us to receive membership information and referral link.
QUESTIONS:
Q. What do I get as a member?
A. You will be able to apply for 100% financing, buy discount notes, tax liens, participate in partnership opportunities, high yield investments 10% to 280% ROI, etc.
Q. Why do I have to pay membership fee of 2%?
A. When you join the network your membership fee and other members fee will be used to finance your deal. Most of the time the Lender will finance the loan as 80/20 combo.
With a 1st loan and 2nd loan.
Example: $1,000,000 Loan amount (100% Financing)
1st loan= $800,000
2nd loan=$200,000
The Lender will sell the 2nd mortgage at discount 90% ($180,000) to their investors/members in the membership network to free up capital for more deals.
So the lender will receive $180,000 cash for a $200,000 mortgage note. This is where the $20,000
membership fee comes in. It covers lender's loss. That's why 2% membership fee is non-refundable if the deal goes through.
As a member you can buy these notes for yourself and make money.
Q. Can I deposit membership fee into an escrow account?
A. No. This is a membership program and to become a member you must pay the membership fee directly to funder.
Q. Can I get approved first for 100% financing before I join?
A. No. This is a membership based program. You have to be a member in order to apply for any financing.
Q. Can I apply again if my deal is rejected?
A. Yes, you can apply as many times as you want. You have over 6 months trial period.
Q. If I pay membership fee, do I have to pay due diligence fee too?
A. Yes. Borrower is responsible for all 3rd party fees.
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Brokers: Brokers are welcome and protected!
APPLY ONLINE NOW!
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Today's Interest Rates & fees to close a loan Commercial Rates (click here)
100% LTV Commercial Loan? 100% LTV Commercial Loan (click here) available now!
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About 400Bankers.com
400Bankers.com in an online database that has over four hundred approved loan consultants, lenders, and private investors. When you apply online your loan request will be matched with the right loan professional who fits your loan criteria. No more shopping around! We have access to the best!
Through 400Bankers.com you will never pay more than 1% broker fee and Our loan professionals will beat any interest rate you've been quoted.
We function as a retail outlet for some well known banks, lenders, and private investors.
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