First Financial  

Commercial Loans Conventional Conduit Insurance

Commercial Loans – Conventional / Conduit / Insurance

It all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your commercial loan options. Since 1996, our loans have helped more than 50,000 customers stay current with what they want from a commercial lender.

Americans are experiencing the lowest real estate loan interest rates in history. Purchase of a property now can set your business up for long-term success and cost control. When your think it’s time to commit to property ownership, trust A+ rated First Financial to offer you the lowest rates, highest levels of security and the most convenient customer service. Since 1996, First Financial loans have helped over 50,000 businesses win the properties that help make them leaders in their industries.

The First Financial commercial loan comes equipped with:

  • Lower interest rates – We utilize automated systems and translate our low overhead costs into savings for you, such as lower rates and fees.
  • Much higher loan approval rates – a Harvard Business School study found that online lenders approve applicants 60% of the time. Large banks approved just 21% of applicants in the first quarter of 2015. [iv]
  • We offer the same high-level of security as traditional retail banks. In fact, it’s required by the FDIC! All First Financial clients receive 128-bit encryption “banking level” security.
  • Convenience of online applications, quick approval notices, documentation uploads and much more. Avoid long and awkward one-on-one interviews and finance your business in a way that’s convenient for you

Conventional Mortgage Loans

Conventional commercial mortgage loans are generally available from banks, credit unions, savings or other financial institutions and are secured by a first lien position on the particular property that is being financed. They are often used for small loan balances or projects that require a personal guaranty, and the collateral is generally the real estate being financed.

What are the advantages of a commercial mortgage loan? For one, you do not necessarily need previous experience to qualify, so that is always a plus for the borrower. Second, they have short terms between 3 -15 years and up to 30 years for amortizations. Borrowers can also expect a LTV between 75 – 85 percent, a high level.

These loans can be non-recourse, limited recourse, or full recourse loans.

Conduit Loan

Also referred to as a commercial mortgage-backed security, conduit loans are a form of commercial real estate loan that is secured by a first position mortgage on a commercial property. These loans are backed by commercial, investment, and syndicate banks as well as specialized conduit lenders. They are available for many different levels of incomes and can be put towards warehouses, hotels, multifamily properties, office buildings and storage facilities.

Small banks typically don’t offer conduit loans to you because they are unable to do so. We offer fixed interest rates which makes your payments predictable. Loans are amortized between 25 – 30 years and may feature a balloon payment due at the end of the term.

Why seek a conduit loan from First Financial? Conduit loans allow you to increase your leverage while also providing you with a low rate.

Life Insurance Company Loans

Commercial loans from life insurance companies usually offer the lowest rates and the most agreeable terms out of all the real estate financing options you have. There is always a fixed interest rate and the term is generally no longer than ten years.

Life insurance company loans must be secured by the “four major food groups” of commercial real estate: multifamily, retail, industrial or office. They will also want the property to be new or in very good shape and be in a prime location of the city it’s in. The loan generally must exceed five million dollars, and the LTV will rarely exceed 60%.

Ready to experience all of the benefits of being a First Financial client? Apply now!

First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


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