PURCHASE & REFINANCE

Finance the next move.
Understand the full picture.

Whether you are acquiring a property or approaching a loan maturity, begin with the property’s current position and your goal.

Buying a property

Start with the purchase contract or asking price, property use, occupancy, income history, and the cash you plan to contribute. Discuss financing contingencies and deadlines before assuming a closing date.

What income is in place today?
What repairs, reserves, or improvements are needed?
How much cash is available beyond the down payment?

Refinancing a property

Bring the current loan balance, maturity date, payment, and any prepayment terms. Define the goal: address a maturity, adjust structure, or discuss possible access to equity.

When does the current debt come due?
What costs come with paying it off?
How does current income compare with the last financing?

Compare more than the rate.

Term	Question to ask
Loan term & amortization	When is the balance due, and how is the payment calculated?
Fixed or variable pricing	What can change, when, and under which index or adjustment terms?
Recourse & guarantees	What obligations extend beyond the property?
Prepayment	What happens if you sell or refinance early?
Total cash to close	Which fees, reserves, escrows, and third-party costs are additional?

STRAIGHT ANSWERS

Before the next step.

Does a strong property value guarantee approval?

No. Property value is one part of the review. Cash flow, borrower finances, property condition, structure, and lender requirements also matter.

Can refinancing release equity?

It may be possible, but proceeds depend on lender limits, valuation, cash flow, existing liens, costs, and qualification. A higher valuation does not by itself establish available cash.

LET’S LOOK AT THE DETAILS

Bring us the property.
And the questions.

Start with the goal, the timing, and the financing need.

Request a financing review ↗