Small-Balance Commercial Blog - Silver Hill Funding

Read This First: The Silver Hill Sweet Spot

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Identifying the best lending option for your clients can be a difficult process. We at Silver Hill want to make your life easier. Here’s a quick description of our “sweet spot” – the types of deals you can quickly and easily close with Silver Hill. You can use this post as a quick reference guide as you identify the best fit for your new multifamily and commercial scenarios.

Everything You Need to Know to Win Your Silver Hill Vacation Getaway

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Thanks to Silver Hill Funding’s new contest this spring, you have a chance to win a trip for two at Atlantis Paradise Island Resort in the Bahamas! Want to win that vacation getaway for yourself? Here’s what you need to know about our contest.

Silver Hill’s Michael Boggiano Talks Commercial Bridge Loans on Forbes.com

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Silver Hill Funding Senior Vice President and Forbes Real Estate Councilmember Michael Boggiano recently contributed a new article to the Forbes Real Estate website. The subject: Small-balance commercial bridge loans.

Step-By-Step Rundown of Silver Hill’s Commercial Mortgage Transaction Process

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If you’re thinking about partnering with Silver Hill on your next small-balance commercial mortgage transaction, you’ll want to know what to expect at each stage. Here is a quick rundown of our commercial mortgage transaction process.

How to Help Your Client Create a Bridge Loan Exit Strategy

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Educating prospective borrowers is an integral facet of any commercial mortgage broker’s job. Business owners and investors rely on brokers to provide expertise and identify the challenges and opportunities they may encounter while securing a loan.

But brokers who take on commercial bridge transactions bear additional responsibility when it comes to client education. This is because bridge loans involve several wrinkles that are not typically found in a typical commercial mortgage transaction.

3 Keys to Getting More out of Mortgage Conferences

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Quick question – how many mortgage conferences are you scheduled to attend this year? Chances are you’ve already registered for a number of tradeshows, conferences, and other types of events in 2018. If you take the following steps before you attend a mortgage event, you will feel better about being away from your desk and create more opportunities for successful networking.

Commercial Mortgage Rundown: Bridge Loan Opportunities

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Originators who close small-balance commercial mortgage deals understand the value of diversifying one’s product offerings. Those looking for another wrinkle to add to their business should consider taking on the bridge loan opportunities they see in their territory today.

New to commercial bridge lending? Take a quick look at the borrower motivations that drive commercial bridge loan transactions and examples of common bridge loan scenarios to get up to speed.

How to Use Borrower and Property Characteristics to Help Qualify Commercial Mortgages

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With so many lending options in today’s commercial mortgage market, it can be difficult to know where to submit every type of small-balance deal. A good way to start the qualification process is to look at two every important aspects of a deal: the property in question and the prospective borrower. Here is a quick breakdown of the characteristics to identify as you search for the ideal lender option.

Expand Your Mortgage Business with Silver Hill’s New 1-4 Plex Program!

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This just in: Silver Hill Funding, LLC is launching a new program to help originators provide financing solutions for borrowers investing in duplex, condo, and other 1-4-unit property types.

We are applying the same deep commercial mortgage expertise and efficient underwriting brokers experience with our core products to this new 1-4 Plex program.

Two Steps to Mastering Bank Turndowns – pt. 2

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In part 1 of this series, we listed some of the main reasons investors and business owners are denied commercial mortgage financing from banks. Once you’ve identified why a loan request was rejected, the next step is to hunt for the best non-bank solution.

Two Steps to Mastering Bank Turndowns – pt. 1

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Banks typically offer the lowest rates and most attractive terms to those who meet their requirements. The problem is that many credit-worthy borrowers are unable to do so.

There are many business owners and investors in your territory who have experienced a bank denial and now feel unable to securing financing on their own. This is where you can prove your value as a solution provider.

Commercial Mortgage FAQs

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If you regularly take on speaking engagements or host webinar presentations, you’ll know the feeling.  You’re about to launch into your best story about that client with the multifamily property that was actually just 3 storage units stacked on top of one other when you realize you only have 5 minutes left before the engagement is scheduled to end.  As you race through to the end of your presentation, you think to yourself, “Well, there goes the Q&A…”

3 Simple Steps to Sourcing Commercial Mortgage Leads

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“Where do brokers go to find small-balance commercial mortgage leads?”

Residential mortgage originators typically ask some variation of this question following a Silver Hill Funding webinar – the specific query above came as a result of our presentation on owner-occupied mortgage opportunities.

SBA Loan Fallout Solutions for Commercial Mortgage Borrowers

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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.

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.

3 Simple Steps to Increasing Engagement on Twitter

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Twitter is designed for conversation – between friends, colleagues, and even organizations. So why then are so many of them struggling to engage with others and grow their presence on the platform? The problem is that many users in the mortgage industry see Twitter as a place to post their promotions, press releases, and general product updates.

3 New Facebook Marketing Tactics for Mortgage Originators

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Are you actively using Facebook to market your commercial mortgage origination business? Or do you focus your social media marketing efforts on LinkedIn and simply share blog posts and post relevant news articles to your basic Facebook business page?

The Silver Hill Stated Owner-Occupied Program: What You Need to Know

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This new small-balance commercial mortgage program gives you the opportunity to close more owner-occupied deals. You’ll also be able to provide your clients with business-friendly options they can’t get from a bank or an alternative lender. Here’s what you need to know.

5 LinkedIn Profile Hacks to Boost Your Networking Power Right Now

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If you’re actively marketing your mortgage origination business online, chances are you have a LinkedIn account. But are you maximizing your profile’s potential?

3 Ways to Overcome Objections with Commercial Appraisal Fees

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In order to keep your client happy and the transaction on track, it’s crucial for you to manage expectations and overcome objections that may arise regarding the commercial mortgage appraisal fee. Use these 3 lines of reasoning to educate your client and sidestep any potential hurdles down the road.

Find Value and Success in Small-Balance Commercial Lending

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The great Albert Einstein once said, “Try not to become a man of success, but rather try to become a man of value.” While Einstein in his brilliance may be right that value can be greater than success, many have found success by having more value to offer than competitors.

With the current level of uncertainty regarding interest rates and the housing market in general, it’s best that mortgage originators begin to look for other strategies to ensure success for the rest of the year.

Answering 3 Burning Commercial Mortgage Questions from Residential Brokers

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Silver Hill Funding runs monthly webinars on small-balance commercial mortgage topics, and over time we’ve received tons of questions from residential originators looking to break into commercial lending. Some of these questions involve specific loan scenarios or program details, but we’ve noticed that 7 questions seem to pop up over and over again.

Commercial Lender or Broker?

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It can be difficult enough to choose the best lending solution from the traditional banks, agencies, hard money options, and other marketplace and non-bank alternatives that exist in the small-balance commercial mortgage marketplace. But the choice becomes even harder when you consider that some of the lenders you may be considering are not actually lenders at all.

The Secret to Creating Repeat Commercial Mortgage Business

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Is your commitment to quick closings keeping you from creating lifelong client relationships? In today’s competitive mortgage industry, many originators adopt a purely transactional mindset when marketing their services. But taking the time to educate your clients and provide solutions that truly meet their needs can give you the ultimate edge over your competition – while they’re focusing only on transactions, you can nurture relationships and build the trust that keeps clients coming back for every refinance.

5 Key Factors that Make Small-Balance Loans Achievable

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When you add small-balance commercial mortgages to your product offering, you create more opportunities to close deals and grow your business. Partnering with an alternative lender expands on these opportunities by giving you the ability to provide solutions for un-bankable small-business owners and investors.

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