Commercial Refinance Loans

---

o Appraisal
o Current rent roll (certified by borrower with date)
o Current leases (including owner occupied lease) w/ estoppel certificate
o Past 2 years’ operating statements certified by borrower
o Color photos of subject property
o Evidence of zoning compliance
o Certificate of occupancy if applicable
o Completed and signed Commercial Loan Application
o If applicable, prior and current bankruptcy information with plan and/or discharge and/or credit
explanation letters
o For refinances: last 12 months payment history on loan(s) attempting to pay off from the financial
institution holding the loan.
o Last 2 years complete signed personal IRS tax returns.
o Last 2 years complete signed organization IRS tax returns if applicable.
o If the borrower is not an individual then articles of organization, by-laws, secretary certificate or corporate resolution & certificate of good standing from the state.
o If the borrower is not an individual and operates a business outside the state of
incorporation/formation then supply a copy of an authorization to do business in that state dated
within 30 days of closing.
o Flood certification. A separate flood policy is necessary if the flood cert designates the property
to be in a special flood hazard zone.
o Environmental report certified to Lender, its successors and/or assigns.  (Environmental insurance
may sometimes be substituted.)
o A survey which must state the square footage of the structure.
o Marked up copy of title commitment or policy with exceptions and underlying documents
o Current Tax Bills for escrow.

This may sound like a lot of documentation, and it is, but the sooner you start lining-up everything, the sooner you will have your money.   Regardless of where you go for your loan, you will be light-years ahead of the competition by having all or the majority of these things ready!

If you would like to contact us to refinance your Commercial Real Estate Loan please call us tollfree at (877) 636-7837 or fax us at (407) 522-0133...Or...Email rdfoster@worldnet.att.net