Tag Archives: loans

Overture Technologies Develops Online Service to Provide Students with More Secure, Reliable Way to Shop for Private Student Loans

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Bethesda, Maryland (PRWEB) April 16, 2009

Overture Technologies, the leading provider of decisioning software solutions that enable transparent, accurate and responsive lending processes for the mortgage and education finance industries, has announced the development of an online service that will be able to provide a more secure, reliable way for students to shop for private student loans. The Student Loan Marketplace is an innovative education financing tool that can help students and their families learn about and compare loan terms in an open and transparent network of lenders.

Overture plans to launch the service through marketing partners, such as associations of colleges and universities, and with participating lenders. The Student Loan Marketplace is the first multi-lender platform that allows students to review reliable private student loan terms based on their own personal and financial information instead of “as low as” advertisements for rates.

Amid the current rising costs of college and challenging economic environment, U.S. Department of Education data indicates applications for federal student aid in 2009 have increased by more than 20 percent over the same period last year. After exhausting all available scholarships, grants, work-study and low-cost federal loans, many students often must consider private student loans to finance part of the cost of education. This search has proven to be a challenge for many students, particularly those with little or no credit record, as the strain on credit markets has also resulted in a contraction of lending sources.

According to a College Board report on student borrowing trends, private student loan volume accounts for almost 25 percent of total education loan volume. The Student Loan Marketplace has been created to give students a secure, transparent resource where they can be matched with lenders to choose a loan based on the criteria that is most important to their individual situations.

*More Secure, Reliable Comparison Shopping for Students Who Are New to Borrowing

Currently, students new to borrowing are faced with a very confusing and time-consuming process to make apples-to-apples comparisons of private student loan terms from multiple lenders. If a student wishes to compare accurate rates and terms, he or she must enter personal information at each lender’s web site and consent to a credit pull before obtaining information suitable for comparison shopping, and then determine how to interpret calculations of APR and other costs across various loan products. With just one credit pull, The Student Loan Marketplace presents a side-by-side comparison of reliable loan products and terms on one page, and provides helpful explanations of terms.

“We built the Marketplace to put students in control of their private loans, giving them unprecedented insight into the details of the loan options available to them,” said David Kirby, general manager of Overture Technologies’ Education Finance Solutions group. “The Marketplace platform enables reliable comparisons of multiple private student loans in minutes – until now, no resource like this has been available.”

MBA Commercial Inc. is Now Offering Commercial Real Estate Bridge Loans

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San Diego, CA (PRWEB) June 24, 2010 –

MBA Commercial, Inc. is pleased to announce commercial real estate bridge loans and other short-term financing through its relationships with several lenders.

MBA Commercial provides commercial real estate bridge loan financing for the purchase of either performing or non-performing mortgages, the purchase of real estate assets and loan pools, and participating equity and debt mortgages. Borrowers may acquire vacant or partially leased buildings, as well as condominium sales with release prices and prepayment options. Finally, financing is available for the repurchase of discounted debt by an owner, for example, permitting an owher to short pay an existing mortgage.

According to MBA Commercial CEO Brian Yui, “MBA Commercial’s access to bridge and other short-term loans may help some commercial property owners ride out the storm, while enabling others to participate in the lucrative investment opportunities presented in the current market.”

In addition to its varied loan types, MBA Commercial is able to generate short-term financing solutions on a quick turnaround basis. In many cases, same week financing is possible with a complete loan package. Loan size can range from $ 3M to $ 300M, typically financing up to 65% of acquisition costs. With cross-collateralization of other assets, the loan to value ratio may be higher. Terms vary, with points from 3%-6% and interest rates from 12%-18% depending upon the securitization.

As MBA Commercial, Inc. predicted in late 2009, the wave of commercial foreclosures in San Diego is increasing. Research firm Real Capital Analytics Inc. reported that at the end of March 2010, San Diego County had 120 commercial loans in delinquent or default status, with a total value of $ 1.8 billion. According to Bloomberg L.P., in the first quarter of the year, 24.9% of San Diego’s commercial mortgage backed securities loans were on watch lists as lenders anticipated near-term delinquencies. In light of these and other data indicating growing distress, MBA Commercial is pleased to bring short-term financing solutions to the market at this critical time.

MBA Commercial, Inc. is a leader in San Diego commercial real estate. MBA Commercial offers a turn-key service for property management, leasing, sales and financing. Its new Bridge Loan Division provides short-term financing solutions for real estate investors thoughout the United States. MBA Commercial’s bridge loan division can be reached at 888-248-6222.

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True Estate Financial loans and Collateralized Financial debt in the US Market Marketplace Study Report Now Offered from IBISWorld

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Los Angeles, CA (PRWEB) June 27, 2012

In the course of the earlier 10 years, Americans have funded their spending through credit score playing cards, mortgage funding and house fairness financial loans, leading to combination home financial debt to rise at an annualized rate of 9.seven% to $ 13.5 trillion in the ten several years to 2007. Amid this credit card debt accumulation, financial institutions and creditors have increased their action, promoting mortgages and credit card debt instruments on the secondary marketplace. This aided financial institutions and lenders diversify their risk and facilitate lending by utilizing proceeds from home loan-backed securities (MBSs) and other income to underwrite new financial loans. Even now, as the subprime disaster produced and defaults rose, need for mortgages and other personal debt securities on the secondary market collapsed. According to IBISWorld sector analyst Eben Jose, the private sector has seriously reduce lending in response to falling need. Inside of the mortgage loan-issuance sector, personal issuance of MBSs fell from $ 765.9 billion in 2007 to $ 34.four billion in 2011, in accordance to the Securities Market and Financial Markets Association (SIFMA) information and IBISWorld estimates. Nevertheless decreased MBS activity has not seriously reduced revenue many thanks to federal government-sponsored entities (GSEs) like Fannie Mae and Freddie Mac. In accordance to SIFMA and IBISWorld estimates, MBS issuance by GSEs rose from $ 1.five trillion in 2007 to $ one.six trillion in 2011, therefore boosting sector revenue. Genuine Estate Financial loans and Collateralized Personal debt earnings is envisioned to tumble at an annualized price of 4.1% to $ 293.3 billion over the five several years to 2012, like a projected two.eight% decrease in 2012.

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Offering mortgages and debt devices on the secondary market drove market expansion in the 10 a long time to 2007 until finally the subprime-house loan crisis created. A rise in mortgage loan defaults thanks to large fascination costs induced the disaster. Bank loan payments on adjustable-rate mortgages (ARMs) and other teaser-charge loans rose, and the subsequent increase in defaults, sparked a credit rating disaster as securitized loans collapsed. As a end result, banks and institutions had to publish down collateralized-debt obligations, MBSs and other credit score securities, states Jose. The consequences of the subprime house loan collapse and near overlook of “economic Armageddon” will average progress in excess of the subsequent five several years. Stringent regulation, rising interest charges and even more deleveraging will reduce desire. The restoration will probably be sluggish as unemployment remains elevated for most of the time period. Profits is forecast to increase via 2017.

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In accordance to the US Census Bureau and IBISWorld estimates, the leading 3 corporations in the Genuine Estate Financial loans and Collateralized Financial debt industry are anticipated to account for about 35.four% of business earnings in 2012. In the five a long time to 2012, the market has continued to consolidate functions during the housing boom. In the course of the housing growth, focus enhanced as scaled-down house loan businesses have been obtained to supply economies of scale and a safe source of home loans for securitization by bigger operators. It is essential to notice that concentration stages differ considerably amongst market segments. For example, the secondary mortgage marketplace has a high stage of concentration, notably because the collapse of the true estate market in 2006. Specifically, agency issued MBSs are approximated to account for about ninety seven.9% or $ 1.six trillion of MBSs issued in 2011 (most current offered info). In comparison, non-company securities accounted for about 32.% MBSs issued in 2007. The decline in non-company MBSs is largely related to fallout associated with the subprime disaster as banks have been necessary to publish-down billions of dollars in property considering that 2007. For far more info, check out IBISWorlds Actual Estate Financial loans and Collateralized Personal debt in the US sector report website page.

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IBISWorld industry Report Crucial Subject areas

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The sector is comprised of nondepository enterprises that focus in lending exercise. Not like banks and other standard creditors, though, business contributors do not rely on deposits to situation financial loans. As an alternative, nondepository firms provide lending by promoting securities (i.e. bonds, notes, inventory) or insurance coverage guidelines to the community. In addition to immediate lending, participants also make revenue by securitizing and marketing mortgages and other loans on the secondary marketplace.

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About IBISWorld Inc.&#thirteen

Identified as the nations most reliable unbiased resource of sector and marketplace research, IBISWorld offers a comprehensive databases of special info and examination on every single US industry. With an comprehensive on the internet portfolio, valued for its depth and scope, the business equips consumers with the insight required to make much better company choices. Headquartered in Los Angeles, IBISWorld serves a selection of enterprise, specialist provider and authorities businesses by means of a lot more than ten locations worldwide. For a lot more details, go to http://www.ibisworld.com or phone one-800-330-3772.

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In Spite of Tight Credit score, CMBS Loans Still Offered In accordance to Clopton Cash

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Chicago, IL (PRWEB) November ten, 2012

Clopton Capital, a supplier of several sorts of professional loans including CMBS financial loans, is stating officially that CMBS not only nevertheless exist, but are in numerous instances they feel they are much more beneficial than at any time. CMBS financial loans, or commercial mortgage loan backed securities loans, are primarily a variety of business mortgage that is funded by traders and the place buyers enjoy profits or losses from the good results of the CMBS loan that is granted to a borrower. Clopton Funds has noticed an enhance in pessimism surrounding these loans over the earlier many years due to a lot of borrower’s shared perception that they are in essence non-existent in the current commercial lending ambiance. Despite what numerous debtors may possibly assume, industrial mortgage loan back again securities loans are commonly offered. Not only are they accessible but they are available without exit charges and extended conditions as extended as thirty years with our firm particularly, explained Jake Clopton, the founder of Clopton Funds.

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Clopton Money is formally saying a increased emphasis on underwriting CMBS financial loans inside of their business. This is to say that they intend to market to far more verified customers of CMBS loans and make higher efforts to make use of these mechanisms exactly where it is witnessed in shape to do so. The company will more than likely also start an extra website to their portfolio of web sites to encourage this commercial lending merchandise explicitly.

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Clopton Funds is a nationwide originator of CMBS loans which follow the expectations set by the CMBS securitization market. The organization markets loans to the various conduits available through institutional entry in purchase to attain the most competitive pricing and terms for its clientele.

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For a lot more data about CMBS loans from Clopton Cash, check out http://CloptonCapital.com/cmbsloans.html.

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Commercial Actual Estate Finance Business, Clopton Funds, Now Offering Nationwide Recourse and Non-Recourse Loans

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(PRWEB) January 08, 2013

Clopton Money, a nationwide commercial real estate finance company, is asserting the opportunity for owners and operators of industrial property to get long time period fixed price funding at reduced charges.

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Clopton Funds is a service provider of both recourse and non-recourse industrial house loan for all property sorts. The loans funded by way of the company are funded by insurance policies companies, CMBS securitizations, and financial institutions. The agency is in search of debtors and intermediaries looking for refinance or buy financial debt for which to prepare and provide cash. Due to the fact of the assorted character of its funds base, the business is in a position to construction loans for any house type with a broad assortment of terms and amortizations.

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Desire prices have been on the increase not too long ago, so now is the best time to lock in traditionally lower curiosity rate for lengthy terms.

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Clopton Capital ranks as a single of the most energetic and dynamic professional real estate finance firms supplying lending possibilities nationwide for cash flow generating houses. Offering industrial home loans, building loans, bridge financial loans, and CMBS financial loans to debtors for a assorted range of house varieties and ownership buildings, Clopton Capital has the functionality to meet up with nearly any lending demands of home proprietors and administrators.

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For far more data speak to a loan officer by contacting 866-647-1650 or pay a visit to http://cloptoncapital.com

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Nationwide Business Mortgage Company Now Giving Recourse and Non-Recourse Professional Home loans Nationwide.

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(PRWEB) February 20, 2013

Clopton Capital is a nationwide commercial real estate finance firm that funds loans through insurance companies, cmbs securitizations, and banks. The company has been in operation since 2007 and has grown its lending pipelines significantly year over year.

The company now offers both recourse and non-recourse loan options with amounts ranging from $ 1 million up to $ 50 million with tailor made term and maturity options depending on the preference and/or necessity of the borrower. Currently, the firm is aggressively seeking refinance and acquisition opportunities for which it can deploy capital for a varying range of commercial property types and in all markets throughout the country.

Clopton Capital ranks as one of the most active and dynamic commercial real estate finance firms providing lending options nationwide for income producing properties. Offering commercial mortgages, construction loans, bridge loans, and CMBS loans to borrowers for a diverse range of property types and ownership structures, Clopton Capital has the capability to meet almost any lending needs of property owners and managers.

For more information contact a loan officer by calling 866-647-1650 or visit http://cloptoncapital.com







Commercial Finance Company Supplying Commercial Home loans For Business office Homes Nationwide

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(PRWEB) March thirteen, 2013

Clopton Funds, a nationwide commercial true estate finance firm, is saying the opportunity for house owners and operators of office homes to receive lengthy phrase fixed charge funding at lower rates.

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Clopton Cash is a company of each recourse and non-recourse commercial house loan for all home sorts. The financial loans funded by means of the company are funded by insurance policies organizations, CMBS securitizations, and banking companies. The company is seeking debtors and intermediaries seeking refinance or purchase personal debt for which to organize and offer funds. Due to the fact of the assorted mother nature of its cash base, the business is ready to composition financial loans for any residence sort with a broad range of conditions and amortizations.

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Fascination rates have been on the rise recently, so now is the ideal time to lock in traditionally minimal interest price for long terms.

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Clopton Cash ranks as 1 of the most active and dynamic professional true estate finance corporations delivering lending options nationwide for revenue producing qualities. Providing professional mortgages, building loans, bridge loans, and CMBS loans to debtors for a assorted selection of property varieties and possession buildings, Clopton Capital has the capacity to meet virtually any lending needs of home homeowners and supervisors.

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For much more data get in touch with a loan officer by contacting 866-647-1650 or visit http://cloptoncapital.com

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Non-Recourse Bridge Loans Now Supplied by Clopton Funds

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(PRWEB) March 15, 2013

Clopton Money is a nationwide business genuine estate finance business that resources loans via CMBS securitizations, Insurance policy companies, banking institutions, and personal fairness corporations. The business is giving minimal value non-recourse bridge lending nationwide for professional homes in lease-up or value extra circumstances.

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Bridge lending is a brief time period option required when a long term bank loan is not an option. The system supplied by Clopton Money is LIBOR based mostly with indicative charges of 6.five% up to seven.five%, curiosity only payments, with up to three yr terms. The financial loans are entirely non-recourse to the house owners of the residence and follow the identical normal carve-outs as the CMBS market place.

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The business is searching for lending chances in the prime 25 MSAs throughout the nation for any business home sort. Mortgage amounts obtainable selection from $ one million up to $ thirty million and higher dependent on the scenario.

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For more info on this product and other, please visit the site at http://cloptoncapital.com or phone 866-647-1650 to speak to a consultant.

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Clopton Funds Now Supplying Industrial Real Estate Financial loans Nationwide

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(PRWEB) March 22, 2013

Clopton Capital, a nationwide commercial real estate finance company, is announcing the opportunity for owners and operators of all commercial properties to obtain long term fixed rate financing at low rates.

Clopton Capital is a provider of both recourse and non-recourse commercial mortgage for all property types. The loans funded through the company are funded by insurance companies, CMBS securitizations, and banks. The firm is seeking borrowers and intermediaries seeking refinance or purchase debt for which to arrange and offer capital. Because of the diverse nature of its capital base, the company is able to structure loans for any property type with a wide range of terms and amortizations.

Interest rates have been on the rise recently, so now is the perfect time to lock in historically low interest rate for long terms.

Clopton Capital ranks as one of the most active and dynamic commercial real estate finance firms providing lending options nationwide for income producing properties. Offering commercial mortgages, construction loans, bridge loans, and CMBS loans to borrowers for a diverse range of property types and ownership structures, Clopton Capital has the capability to meet almost any lending needs of property owners and managers.

For more information contact a loan officer by calling 866-647-1650 or visit http://cloptoncapital.com







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