News - Silver Hill Funding

Uncover More Owner-Occupied Opportunities

Mortgage experts Ski Swiatkowski and Mike Boggiano will show you how you can use non-bank solutions to close more owner-occupied deals and generate more income for your business.

SBA Loan Fallout Solutions for Commercial Mortgage Borrowers

Commercial mortgages backed by the Small Business Administration (SBA) are an attractive option for business owners because of their low rates and business-friendly terms. And the lenders who offer SBA loans like them as well – mainly because the U.S. government guarantees a portion of each loan.

The problem is that all small business owners are not able to qualify for SBA loans. Most originators who have sought this option for their small-balance clients know this. But they may not know about the alternative solutions available in today’s competitive market.

Closed Loan in Wisconsin

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A borrower in Wisconsin was looking to refinance their SBA 504 acquisition loan but could no longer qualify for SBA financing. Silver Hill Funding, LLC provided an alternative solution that consolidated the borrower’s high interest working capital loans and improved their monthly cash-flow by approximately $11,000.

Closed Loan in Oregon

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The owner of an office property in Oregon wanted a cash-out refinance and needed an alternative to a traditional lender. Silver Hill Funding, LLC was able to provide a solution for the borrower thanks to the Bank Statement Program, which qualifies borrowers based on 12 consecutive months of business bank statements instead of tax returns.

Closed Loan in New York

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Time was of the essence for an investor who needed to refinance their mixed-use property in New York. They were able to get the funding they needed from Silver Hill Funding, who provided a fully-amortizing solution that didn’t require tax returns or a 4506T.

Closed Loan in Georgia

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A borrower in Georgia was looking to purchase a new property to house their daycare business. Silver Hill funded the deal through the Stated Owner-Occupied Program, which allowed the borrower to get the funding they needed without having to provide tax returns or a 4506T. The loan closed in under 30 days.

Closed Loan in Connecticut

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An investor in Connecticut originally took out a hard money loan to purchase a group of vacant multifamily properties. Now that the properties are 100% stabilized, they were looking to refinance and secure a better rate. Silver Hill Funding, LLC provided a more attractive funding solution for the borrower and paid off the older hard money loan. The deal was funded through the Lite Doc Investor Program, with no tax returns or 4506T required.

Closed Loan in California

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An investor in California was looking to refinance their mixed-use property and had two specific needs: a fast closing and the ability to take cash-out of their existing mortgage. Thanks to their Lite Doc Investor Program, Silver Hill was able to fund the deal and provide the cash-out the investor required — all with no tax returns or 4506T required.

Closed Loan in California

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The owner of a light industrial property in California was looking for an SBA lending alternative for his cash-out request. Silver Hill Funding was able to provide a solution for the borrower through the Stated Owner-Occupied Program, with no tax returns or 4506T required.

Owner-Occupied Opportunity with Commercial Mortgages

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The next big thing for your mortgage origination business could be smaller than you think. Owner-occupied commercial mortgages present a serious opportunity within the world of small-balance commercial lending – if you’re looking to grow your business and increase revenue, consider broadening your focus beyond the most common multifamily investor deals and becoming a solution provider for the countless small-business owners in your market.

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