Portfolio Lending Program

Portfolio Loan

Are you looking to work with a reputable portfolio lender in New Jersey? Look no further than LP Capital Group. We provide stellar commercial real estate financing solutions such as portfolio lending programs.

Understanding Portfolio Lending Program

Portfolio loans include loans that issued and serviced by a lender. These loans are packaged together with other loans and may be sold in the secondary market. Next, the lender that writes the loan will hang onto the portfolio loan and retain it as part of their investment portfolio.

Some scenarios where a portfolio lending program is a good option includes:

  • Property flipping
  • High net worth without documented income
  • Second mortgages
  • Low credit, high income
  • Foreign nationals
  • Liens and judgements
  • Tax issues
  • Short sale or foreclosure
  • Recent bankruptcy
  • Self-employed borrowers
  • Bad credit scores

It is also useful to note that properties with cracks in foundation, no appliances, faulty roof, eletrical issues, etc., are not eligible for traditional financing.

Why Should You Get Portfolio Lending Program?

A major reason why portfolio lending programs make sense is because they allow individuals to purchase a property before its prices increase. Next, portfolio lenders usually offer borrowers greater flexibility in the commercial real estate loan granting process. This is much different from lenders who plan to roll out mortgage loans with the purpose of selling them – either some time during the term or immediately.

If a lender decides to keep your loan as part of their investment portfolio, it benefits you overall. Instead of working with a lender that may service your loan from another location, you will be able to maintain close relationships with the portfolio lender you are originally working with. By doing this, you have the opportunity to contact them whenever you have a problem. In addition, you should enjoy enhanced customer service.

How LP Capital Group Can Help for Portfolio Lending Program

Below is quick look at the main features of our portfolio lending program:

  • Fixed and floating rates
  • Loans from $5MM to $200MM
  • Three to 20-year term
  • Rate lock at loan application
  • Yield maintenance or structured prepayment options
  • Non-recourse except for standard carve-outs

LP Capital Group also services the following property markets for portfolio lending:

  • Bulk distribution
  • Industrial
  • Apartments
  • Grocery-anchored retail
  • Dominant malls
  • Cross-collagenized portfolios
  • Senior housing
Why You Should Work with LP Capital Group for Portfolio Lending Program

At LP Capital Group, we do not look at your past two years of returns like conventional lenders will do. When you work with us, you can expect to enjoy benefits such as quick approval times. Since our inception, we have been nationally recognized for our portfolio lending programs. Our tailored solutions are developed to meet the unique financial needs of our commercial real estate investors and clients. Whether you are planning to invest in a multi-family property or retail property, we have got your back. You can rely on our dedicated commercial real estate financing specialists to provide a positive experience and ensure a successful transaction.

If you have more questions to ask about our portfolio lending programs, do not hesitate to contact us today. Give us a call at (201)690-9260!