Our Loan Products & Programs
We pride ourselves on our exceptional customer service and transparent communication.
Our goal is to make your financing experience as smooth and stress-free as possible.
Residential Loans
Multifamily, Single Family Rentals,
1-4 Unit Residential
We are a reputable commercial mortgage brokerage firm, offering comprehensive residential loan services to individuals and businesses seeking financing for residential properties. As a trusted intermediary, CLS provides the following services:
Loan Selection
CLS assists clients in identifying suitable loan options from a diverse range of lenders. With their extensive market knowledge, CLS analyzes various loan products to present borrowers with multiple choices that align with their specific needs, financial situation, and property requirements.
Application Assistance
The experienced professionals at CLS guide clients through the loan application process. They ensure that all necessary documents are completed accurately and submitted on time, simplifying the application procedure and enhancing the likelihood of approval.
Lender Connections
CLS leverages its extensive network of lenders to connect borrowers with reputable financial institutions. Through their established relationships, CLS provides access to a wide range of lending sources, including banks, credit unions, and private lenders, facilitating the discovery of the most favorable terms and rates for residential loans.
Negotiation and Rate Comparison
Acting on behalf of the borrower, CLS negotiates with lenders to secure competitive interest rates, favorable loan terms, and flexible repayment options. By meticulously analyzing and comparing rates and terms offered by different lenders, CLS ensures that clients receive the most advantageous loan package available.
Pre-Approval Assistance
CLS assists clients in obtaining pre-approval for their residential loans. They assess the borrower’s financial situation, credit history, and documentation to determine eligibility, strengthening the borrower’s position when making an offer on a residential property.
Documentation and Compliance
CLS helps clients prepare all necessary documentation while ensuring compliance with lender requirements and regulations. Their expertise in navigating the paperwork involved expedites the loan process and ensures accuracy in documentation.
Loan Structuring
Taking into consideration the borrower’s unique needs and financial goals, CLS provides expert guidance in structuring the loan. They offer tailored solutions to optimize terms, down payment, repayment schedules, and other critical factors, enabling borrowers to make informed decisions.
Loan Closing
CLS facilitates the loan closing process, working closely with all parties involved, including lenders, attorneys, and title companies. They meticulously coordinate and review the necessary paperwork to ensure a smooth and efficient transaction.
Ongoing Support
CLS remains committed to providing ongoing support even after the loan has closed. They offer assistance with refinancing options, address any questions or concerns regarding the loan terms, and provide guidance on future residential property purchases.
Structured Finance Loans
We are commercial mortgage brokers specializing in structured financing offering a range of services tailored to meet the unique needs of clients seeking complex and customized financing solutions. Here are some typical services we provide in the field of structured financing:
Financial Assessment
Commercial mortgage brokers conduct a comprehensive financial assessment of the client’s business or project to understand their specific financing requirements. They evaluate factors such as cash flow, assets, liabilities, creditworthiness, and future projections to determine the feasibility of structured financing.
Structured Financing Solutions
Brokers develop and propose structured financing solutions that align with the client’s objectives. They design customized financing structures that may involve a combination of debt instruments, equity participation, mezzanine financing, convertible securities, or other specialized financial products.
Market Analysis
Brokers perform in-depth market analysis to identify and assess potential funding sources for structured financing. They leverage their network of lenders, institutional investors, private equity firms, and alternative financing providers to identify the most suitable funding partners for the client’s specific requirements.
Negotiation and Deal Structuring
Commercial mortgage brokers negotiate with potential funding partners on behalf of the client. They work to secure favorable terms, rates, and conditions that optimize the client’s financial position. Brokers also assist in structuring the deal to ensure it meets the client’s goals and mitigates risks associated with the structured financing arrangement.
Due Diligence
Brokers help clients navigate the due diligence process associated with structured financing. They assist in gathering and preparing the necessary documentation, financial statements, legal contracts, and other required information to facilitate the financing transaction. Brokers ensure compliance with regulatory requirements and help clients navigate legal and regulatory complexities.
Transaction Management
Commercial mortgage brokers manage the transaction process from start to finish. They coordinate and facilitate communication among all parties involved, including lenders, legal counsel, valuation experts, and other professionals. Brokers ensure the smooth and timely execution of the structured financing transaction.
Risk Assessment and Mitigation
Brokers assess the risks associated with the structured financing arrangement and help clients develop strategies to mitigate those risks. They analyze the financial, legal, and market-related risks, providing guidance on risk management techniques and contingency plans.
Ongoing Support
Even after the structured financing transaction is completed, brokers provide ongoing support. They help clients monitor and manage the financing arrangement, ensuring compliance with covenants, providing guidance on refinancing or restructuring options, and addressing any challenges that may arise.