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Types of Commercial Real Estate Loans

Features/Benefits:
1. Affordable interest only payments during construction.
2. Monthly payments based on actual drawn balance so you only pay for the amount you’re actually using.
3. Flexible terms provide sufficient time to complete construction.
4. Loan can be used to purchase land and finance construction.
5. One-time application and closing for construction and permanent financing.
6. Competitive fixed and adjustable rate mortgage terms.
7. Bonding, building permit and licensed contractor required.
8. Property must be in Hawaii or Guam.

Development Loans for Residential Projects

Small or large residential subdivision loans are available to developers.  Finance Factors provides developers with one loan to complete the infrastructure and to build out homes in the subdivision.

Features/Benefits:
1. Customized loan structure to meet your specific needs.
2. Permanent takeout financing is available.
3. Experienced commercial loan officers are responsive to your needs and provide financing solutions.
4. Competitive pricing.

Loans on Income Properties

Use our income property loan to purchase or refinance a mortgage on income producing properties such as apartment buildings, warehouses, commercial office and retail buildings, shopping malls and strip malls.

Features/Benefits:
1. Fixed rate and adjustable loan rates.
2. Flexible underwriting.
3. Knowledgeable and experienced commercial loan officers.
4. Property must be in Hawaii or Guam.

Line of Credit

Obtain a line of credit secured by your commercial property and have cash available when you need it.

Features/Benefits:
1. No restrictions on what you may purchase with your line of credit.
2. Cash is available anytime you need it, up to your available credit.
3. Interest only payments if you have an outstanding balance.
4. No annual fee.
5. Competitive pricing.

Vacant Lots

Finance Factors offers loans for the purchase of vacant land for the development of your commercial property. If a Construction Loan is obtained from Finance Factors within 12 months of obtaining a Land Loan, one half of the point dollars paid to Finance Factors on the Land Loan will be credited toward the borrower’s points on the Construction Loan.

Features/Benefits
1. Available on fee-simple, improved lots.
2. Loan terms of 1 to 3 years.
3. Loans available to investors.
4. Property must be in Hawaii or Guam.

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