Commercial Loan Programs

FFSNCNDFreedom Financial Services, Inc. offers all types of commercial loans, including Apartment Loans, Commercial Loans, and NNN

Retail Loans, Non-Recourse Loans, Non recourse loan, small balance commercial loans, small balance apartment loans, small balance commercial loan, small balance apartment loan, and many more loan types.

For more than a quarter century the lenders at FFS have provided market driven apartment loans and commercial loans for retail customers and mortgage brokers.  With a combined staff experience approaching 150 years, we can provide you with the apartment loans and commercial loans to meet your needs.

FFS offers first mortgage apartment loan and commercial loan products through our channel of Lenders in all 50 states.  With our national scope and large product offerings, FFS is positioned to be your Broker for apartment loans, multifamily loans and commercial loans. 

We offer the following commercial loans and apartment loans: 

• Apartment loans
• Commercial loans
• Affordable Housing
• Apartments 5+ units,
• Apartment buildings
• Multifamily loans
• Mixed Use
• Mobile Home Parks
• Commercial loan
• Office Buildings
• Office Condos
• Office Warehouse
• Light Industrial
• Retail
• Strip Retail
• Single Tenant Retail
• Hospitality
• Full Service Hotel
• Limited  Service Hotel
• Motel
• Self Storage
• Franchised Restaurant (Regional or National in scope: i.e. Wendy’s, McDonald’s, Taco Bell, Chick Filet, Arby’s, etc)
• Car Wash
• Auto Repair
• Gas Station with Convenience store attached
• Convenience Store standalone (C-Store)
• Apartment loan
• HUD Apartment Projects
• Section 8 Apartment Projects
• Co-op multifamily projects
• Multifamily loan
• Mixed Use
• Business real estate loans
• Commercial real estate loans
• Small Business Administration (SBA) loans
• Day Care
• 5+ unit apartment loan
• Mini Storage
• Affordable housing apartment loans
• 1031 exchanges
• Non-recourse loans
• NNN retail loans

And many other commercial real estate loan types (if you don’t see your commercial loan type above, call FFS).

Not only do we shop rates and terms extremely competitive, but as a commercial loan Broker and an apartment loan Broker, we are proud of our reputation for providing excellent service and giving personal attention to your customers throughout the closing process.  We can help you obtain financing for your customers at rates that are extremely aggressive.  We offer additional the following:

• National coverage  (all 50 states)
• Aggressive Lenders with  underwriting and Low Debt Cover Ratio (DCR) loans (as low as 1.0x) in some markets 
• Expressions of Interest letters (EOI) generally in 24-48 hours
• Up to 30-year fixed rate loans
• Interest only loans
• Stated loans in some markets 
• 90% loan to values (both LTV and CLTV)
• Retail Commercial loans and Retail Apartment Loans 
• No lender fee programs

These are some examples of FFS featured Apartment Loan Programs and Commercial Loan Programs. Please call us at 1-866-793-4637 with your income property information and we will help you find the right program for your deal.

  Fernando L. Diaz/President/CEO Commercial Loan Specialist

Loan Programs

FFS (Freedom Financial Services, Inc.) offers a wide variety of loan programs beginning at $350,000.00 in some markets to meet your needs, including:

• Multi-Family/Apartment Loans
• Commercial Real Estate Loans
• NNN (Triple Net) Loans

These programs allow LCM to close transactions at competitive rates and terms. We also offer programs other bank lenders often decline (Stated Income, Interest Only, etc.).

Loans for Multi-Family/Apartment Buildings

FFS provides recourse and non-recourse multi-family/apartment building loans. Our multi-family and apartment loan programs are targeted to the $350,000+ market segment and can handle either purchase or refinance requests.

Multi-family loan finance programs include:

• Low pre-payment penalties
• Loan LTV’s up to 85% (80/5 program) and CLTV’s to 90% (with seller financing participation)
• Flexible loan amortization rates (up to 30 years)
• Potential for non-recourse loans
• Loan terms up to 30 years
• Assumable financing programs

Loans for Commercial Real Estate

FFS provides mortgage financing for projects, including:

• Office buildings
• Retail centers (strip retail, retail, big box, and single tenant/owner/occupant)
• Warehouses
• Self storage
• Mobile home parks
• Mixed use

Commercial property mortgage finance programs include:

• LTV's up to 90% (80/5/5 program)
• Flexible amortization terms (up to 30 years)
• Potential for non-recourse loans
• Fixed rates up to 15 years
• Low pre-payment penalties (also defeasance pre-payment penalties)

NNN Retail

FFS can assist you with NNN (Triple Net), single tenant, and loan mortgages for retail. We also have the ability to expedite commitments for your 1031 exchange and NNN needs.

NNN loan finance programs include:

• LTV's up to 90% (80/5/5)
• Flexible loan amortization terms (up to 30 years)
• Non-recourse loans
• Loan terms up to 30 years
• Assumable financing programs

  Retail Rate Highlights

Here are the latest rates on wholesale apartment and commercial mortgage loans.

Apartment Rates

Commercial Rates