Loan Packaging & Underwriting Services 

Unlike residential lending which focuses on the borrower's credit, commercial lenders concentrate primarily on the physical real estate – specifically, the income produced by the real estate.  Therefore, proper development and prudent analysis of the property's operating statement and rent roll is paramount to understanding the likelihood of funding and preparing a professional loan package that demonstrates the financing issues of the property in order for a lender to provide a loan commitment.  The key is the type of underwriting that is used.

Underwriting That Makes A Difference ... 

One of the key components that makes us different is the manner in which we underwrite our loans.  Unlike our competitors, we underwrite and originate our loans in-house using the Commercial Mortgage Securities Association's (CMSA) Investor Reporting Package (IRB) and not the conventional conforming underwriting guidelines.  This means that each commercial loan is approved based on the strength and the property's ability to service the debt.  Each property basically qualifies for it's own financing rather than the individual having to qualify for the loans.  This type of underwriting provides: 

• Non and Partial Recourse Financing 

• No Personal Qualifying or Loan Guaranteeing 

• Higher LTV'S 

• The ability to predict the best sales price for your property 

• Fast underwriting 

• More creative and aggressive financing options

So, unlike other Commercial Mortgage Brokers, ProFunders offers in-house underwriting capabilities.  This means we can qualify and obtain Funding Commitments and LOI's from lenders in days rather than weeks.  We can underwrite your loans for a flat fee and provide you with a professionally underwritten loan package that will be accepted by any lending institution.  

What does this mean?  

If you are a borrower, it means you can utilize this service and have a pre-underwritten loan package to submit to your lenders in days.  You will also be able to see the strength or weakness in your proposal before submitting to any lenders.  We provide free updates for 60 days. You don't have to submit your loans through us to use this service either.  Once you receive your loan package, you can take it where you want.  Of course we would like to have your business but it is not a requirement for this service.  

Borrowers Apply Here

If you are a Broker, you can use this service to provide your clients with a pre-underwritten loan package and charge what you want for the service.  If you place your loan through us, there's no charge for the service.  

Brokers Apply Here