Since Pacific Western Mortgage Group is not limited by an affiliation with any one bank, we are able to present our clients loan to a broad spectrum of potential capital sources and secure the best terms and pricing that the market offers.
In addition, Pacific Western Mortgage Group saves clients time and money by creating a competitive environment that encourages various lenders to compete for the borrower's business. Ultimately, clients receive multiple offers allowing them to select the most fitting loan package for their particular situation.
Equally important, Pacific Western Mortgage Group plays an integral role in entire financing process, sharing the burden of collecting and processing information, coordinating third party reports and overseeing a smooth, timely and successful close.
Frequently investors pay attention only to rates when they compare various commercial financing packages. There are many other equally important factors to consider when evaluating loan options. We assist our clients in evaluating the following factors:
- Maximizing loan proceeds
- Loan term and amortization
- Indexes and spreads
- Portfolio vs. DUS vs. HUD-1/FHA lenders
- Fixed vs. adjustable rates
- Various prepayment penalty choices
- Upfront fees and closing costs
- Recourse vs. Nonrecourse requirements
- Occupancy requirements
- Ultimately, we make sure our clients loan close on the same terms as they are approved
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