General Guides – Pricing and LTV



Average Note Pricing (on business & mortgage loans)

Generally speaking, the average performing, privately-held mortgage loan typically sells anywhere between $0.65 and $0.85(cents) on the dollar, depending on the loan’s individual characteristics. The average business loan would usually sell between $0.65 and $0.90 (cents) on the dollar, depending on the overall characteristics of the instrument. Loans that would sell for more are considered to be A+ pricing assets (outstanding characteristics and little risk to investor) which is explained below.

Excellent (A+) Note Pricing (on business & mortgage loans)

Excellent (A+) pricing is only offered on privately held mortgage loans with at least 30% hard equity and a borrower credit rating of 720 middle score or higher (we will pay 86%-97% of the balance owed).

A+ pricing is only offered on privately held business loans at least 50% hard equity and a borrower credit rating of 720 middle score or higher (we will pay 86%-97% of the balance owed).

Non-Performing Loan Pricing (commercial and residential)

The average non-performing loan will sell for between $0.05 (cents) and $0.65 (cents) on the dollar, depending on the asset characteristics and property characteristics (location, condition, etc.). This is for both residential and commercial. In some very rare cases, we will exceed $0.65 (cents) on the dollar for assets with extremely high equity and controllable transaction circumstances. All asset-pricing is determined on a case-by-case basis. WE DO NOT PURCHASE NON-PERFORMING BUSINESS NOTES.

Investment To Value/I.T.V. Requirements (business loans only)
  • Our max LTV requirement on business note funding is 70%.
Loan To Value L.T.V. Requirements (business and mortgage loans)
  • Our max LTV requirement on business loan funding is 70%.
  • Our max LTV requirement on residential mortgage loan funding is 97%
  • Our max LTV requirement on commercial mortgage loan funding is 90%.
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NOTE HOLDER CONTACT INFORMATION

Name

Address

Email

COLLATERAL PROPERTY INFORMATION

Type of Property

Description of Property

Property Address

Property Occupancy

PROPERTY SALE INFORMATION

Sale Date

Sale Price

Cash Down Payment

Original Loan Amount

FINANCING INFORMATION

Security Instrument Type

Date of Note

Interest Rate

Deed of Trust Term / Number of Years

Payment Dollar Amount

Date First Payment was Due

Date of Last Payment Received

Deed of Trust Balance / Current Amount Due

The Borrower is a

Is the Deed of Trust Current?
Yes, always currentYes, but not always currentNo

Number of Payments Received Over 30-days Late

Is There a Balloon Payment Due?
YesNo

Balloon Payment Due Date

Amount of Balloon Payment

ADDITIONAL INFORMATION

Who is Collecting the Note Payments?

Borrower Credit Score expected to be

Do you have a Lender's Policy of Title Insurance?
YesNo

Any additional comments or questions?

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