The Silver Hill Low Rate Program: What You Need to Know

Silver Hill Funding, LLC is excited to announce a new suite of alternative commercial mortgage programs – each one designed to help you close more loans and grow your commercial business.

We know you’re busy, so we’re going to skip the small talk and get straight to the main points you need to know as a commercial loan originator.  As always, be sure to reach out to a Silver Hill Regional Manager today with any questions you may have.

What is it?

The Silver Hill Low Rate Program is our solution for your most credit-worthy commercial real estate investors and business owners.  This program makes it possible for you to offer a non-bank solution with rates starting at 6%!

If you have struggled in the past to find alternative solutions for borrowers who fall just outside bank guidelines, this program could help you capture more business generate more revenue each month.

Why is it needed in today’s market?

Prospective borrowers work with non-bank lenders for different reasons.  Some are rejected by banks and are forced to seek alternative financing.  Others simply choose not to work with banks because they are looking for greater flexibility than traditional financial institutions are typically able to provide.

Those business owners and investors in the latter group have specific needs that traditional lenders often fail to meet.  Whether it is a significant cash-out request or a property with little to no title seasoning, many small-balance commercial scenarios are better suited for alternative lending programs.

Silver Hill’s Low Rate Program gives your clients the best of both worlds – increased flexibility at an attractive, single-digit rate.

How does it work?

Here is a quick breakdown of the Low Rate Program’s options and terms:

Loan Amounts $250k to $2 million
Rates As low as 6.375%
Min FICO 700
Terms 5, 7, and 10-year hybrid
Max LTV 80%
Amortization 15, 20, 25, 30
Occupancy Investor and owner-occupied
Purpose Purchase, refinance, cash-out
Property Types All eligible properties


For more details regarding this program, reach out to your Silver Hill Regional Manager today.

How can you use it to close more loans?

Our Low Rate Program gives you more opportunities to close deals that don’t quite meet bank requirements.

When you consider how many commercial financing requests are turned down by banks each year, you can quickly see how this program can be a game changer for your business.

To get a quick sense of how the Silver Hill Low Rate Program could help you close more loans, look back through your records to see how many of your clients will soon be refinancing hard money loans.  If those clients are still not quite bankable, our Low Rate Program could be an alternative solution that reduces their monthly payments considerably.

You can also identify contacts who decided not to take out a loan after they experienced a few bank rejections.  Armed with the Low Rate Program, you can be the hero for business owners and investors who are now able to achieve their financial goals.

When can you get started?

If you have clients who may be a strong fit for our new program, you can get started right now!  Fill out our contact form here and one of our commercial mortgage experts will then reach out to you and answer any questions you may have.