Commercial Lending Solutions is a direct correspondent lender for life insurance company permanent financing. We underwrite and close life company CRE loans under delegated correspondent authority, in the life insurance company's name, as every life company loan closes. Your file is underwritten by the team you are talking to, not packaged and mailed to a home office that has never seen the deal.
New to this financing? Start with our complete guide to life company loans, or browse coverage by market below.
Most commercial mortgage brokers who offer life company financing are placing your deal with a life insurance company's home office through an intermediary channel. The underwriting decision, approval timeline, and terms are set by someone you never speak to.
Commercial Lending Solutions holds a direct correspondent lender relationship, which means we underwrite these loans ourselves, issue commitments in our name, and control the approval process. Borrowers get a faster timeline, a direct relationship with the decision-maker, and execution certainty that the brokered channel cannot provide.
This applies specifically to the life insurance company permanent loan program. For other products (bridge loans, CMBS, construction), we operate as a commercial mortgage broker with relationships across more than 1,000 lenders.
Permanent long-term financing for stabilized apartment communities. 10 to 25 year fixed-rate terms, non-recourse, competitive pricing inside agency for comparable product. National coverage.
Los Angeles market guide ›Life companies are among the most competitive permanent capital sources for Class A industrial. Distribution, logistics, light industrial, and flex. Trophy spreads for premier assets.
Dallas market guide ›Single-tenant NNN and anchored retail. Life companies have financed net lease for decades, the long lease terms and credit tenants match their liability profiles exactly. Full-term interest-only for investment-grade tenants.
Dallas market guide ›Selective on office in the current market, but quality stabilized Class A with strong tenancy and long weighted average lease terms remains fundable at competitive rates. We provide honest guidance upfront on what qualifies.
DC market guide ›Life companies have significantly increased self storage allocations as the sector has proven its recession resilience. Climate-controlled and urban infill preferred. Stabilized occupancy 85 percent plus.
Phoenix market guide ›For stabilized CRE, life company permanent financing typically offers the most competitive long-term fixed rates in the market. Life companies are liability-driven investors, they want to match long-term assets with long-term liabilities, which is why they price inside other lender types.
Life companies offer true long-term fixed-rate certainty that banks, debt funds, and even CMBS cannot match. For sponsors with a long-hold thesis, fixing your cost of capital for 15 or 20 years is a structural advantage unavailable from other sources.
All life company loans through our correspondent program are non-recourse with standard bad-boy carve-outs. No personal guarantees. Clean exit optionality for ownership groups and institutional sponsors.
Full-term interest-only periods are available for qualified deals, primarily credit-tenant NNN assets and premier multifamily with strong sponsorship. IO periods improve current cash yield and are a meaningful advantage for distributions-focused ownership structures.
Unlike CMBS loans, life company correspondent loans are held in portfolio. There is no securitization process, no pooling, and no CMBS servicing complexity. The relationship stays with the originating correspondent through the loan term.
As the direct correspondent lender, Commercial Lending Solutions underwrites and commits without a third-party approval step. Sponsors deal directly with the decision-maker, not an intermediary who has to check with someone else before responding.
Direct correspondent term sheets in all 50 states. Select a market below for asset-class specific guides.
Send us the property address, asset class, approximate size, current NOI, and your target capital structure. As a direct correspondent lender, we come back with a term sheet without submitting your deal to a third party.
Get a Term SheetEvery metro and property type we cover for direct life insurance company correspondent lending, organized by state. 295 market-specific financing guides.