4C — September 28 - October 11, 2018 — Fall Preview — M id A tlantic

Real Estate Journal

C ommercial L ending

Company brings unique underwriting approach to the commercial lending EFC offers portfolio small balance commercial/ mixed use products for first mortgage financing E mi grant Mor tgage Company, Inc. through its affiliate, Emigrant buildings, retail strips and office properties. As a sub- sidiary of Emigrant Bank, fashion. Emigrant’s commercial portfolio guidelines include of programs and products provide financing options for traditional borrowers, as well

Lender offering SBA 7(a) and (504) Loans. Emigrant’s Commercial Lending Area includes: NY Market * • 5 boroughs • Nassau/Suffolk • Westchester/Rockland • Orange & Putnam NJ/PA/CT Market • New Jersey * • Eastern PA including (Phil- adelphia) • Fairfield County, CT New England Market • Eastern Massachusetts including Boston Florida • Southeast Florida includ- ing Miami • Southwest Florida includ- ing Tampa * EFC's Small Business Ad- ministration (SBA) lending area Emigrant maintains offices in New York (Manhattan, Long Island and Westches- ter), New Jersey, Massachu- setts, and Florida. Our Com- mercial Mortgage Specialist along with our in-house team of underwriters, appraisers and closers, facilitate prompt decisionmaking and process- ing of all loan applications. If you would like to learn more about how Emigrant can help you with your cli- ents, please reach out to Jack Coll, senior vice president at Emigrant Mortgage Com- pany, Inc. at 914.785.1245. Coll is in his 24th year with Emigrant Mortgage Company. Coll has had man- agement responsibility for many geographical regions with Emigrant throughout his career. At present, Coll has re- gional responsibility for the New Jersey and Pennsyl- vania Regions. Emigrant Mortgage Company’s Small Balance Commercial Lend- ing Program allows for loan sizes up to 5MM. As a portfo- lio lender, and with features such as no personal debt-to- income ratio, large cash outs, cross-collateralizations, and deal structuring, Emigrant brings a unique underwrit- ing approach to the com- mercial lending space. Coll and Emigrant’s other lend- ing representatives will be happy to discuss these loan programs in more detail at the 3rd Annual Commer- cial Real Estate Leadership Conference on October 5th 2018. 

F u n d i n g Corporation (“EFC”), of- fers portfo- l i o ( bank- o w n e d ) smal l bal - ance com- m e r c i a l / mi xed use

EFC’s Commercial Mortgage Specialist alongwith our in-house team of underwriters, appraisers and closers, facilitate prompt decision making and processing of all loan applications.

products for first mortgage financing for most types of commercial real estate, in- cluding: multifamily apart- ment houses, mixed-use Jack Coll

as foreign nationals, resident aliens and borrowers with low or no credit scores. EFC, through Emigrant Bank, is a participating Small Busi- ness Administration (“SBA”)

a 168-year-old New York savings institution, EFC is able to draw upon the vast resources of its parent to make sure borrowers get the funds they need in a timely

purchase, rate/term refinanc- ing and cash-out refinancing transactions, full documen- tation loan programs and amortization periods up to 30 Years. EFC's full suite

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