Best Rate & Terms
With ICS, you get flexible, streamlined financing solutions and certainty of execution for the acquisition or refinance of multifamily, commercial, and investment properties. When it comes to attaining the most competitive rate and terms, ICS gets it done. ICS underwrites, structures, prices, and packages your loan for multiple lenders to simultaneously review, including banks, credit unions, private lenders, life insurance companies, and numerous agency lenders, including Freddie Mac, Fannie Mae, and FHA. Competing Lenders either meet, beat, our counter-offer our asking rate and terms, ensuring you attain the most competitive financing available.
Conventional Fixed-Rate Loans
ICS Conventional Loans are permanent (long-term) fixed-rate loans with initial fixed periods of 5, 7, 10, 12, 15, and 30-years, up to 30-year amortization, have a prepayment penalty, offering the lowest rates available. Properties must be stabilized and meet stricter conventional underwriting guidelines. These loans typically close in 45 to 60 days.
2.6% to 4.99%
FLEX Fixed-Rate Loans
ICS FLEX Fixed-Rate Loans are non-conforming loans with 5 to 30-year fixed-rate terms and up to 30-year amortization. Underwriting guidelines are more flexible, providing long-term financing for borrowers and/or properties that don’t meet conventional guidelines. Rates and LTV limits are FICO score based.
4.75% to 8.25%
Bridge (Hard Money) Loans
ICS Bridge Loans are interest only with fixed terms ranging from 1 to 3 years, and usually have no prepayment penalty. Underwriting guidelines are more flexible. Bridge loans are asset-based used to stabilize or rehab commercial or investment properties to resell or refinance long-term. Bridge loans offer fast closings in 7 to 21 days.
6.99% to 11.99%
Fix & Flip Loans
ICS Fix & Flip Loans are interest only with fixed terms ranging from 9 to 12 months, and have no prepayment penalty. We offer up to 100% LTV and 95% LTC depending upon the project. Fix & Flip loans are used to complete small to major rehab projects in order to resell or refinance long-term. Fix & Flip loans close in 21 to 30 days.
6.75% to 11.25%
Construction Loans
ICS Construction loan terms are 9 to 24 month interest only terms, and usually have no prepayment penalty. Underwriting guidelines are project specific and require a minimum of one construction project completed within the last 5 years. Constructions loans can close in 30 to 60 days.
5.99% to 9.25%
Certainty of Execution
As a Correspondent Lending Company we have direct underwriting capabilities with numerous lenders, allowing us to cut weeks off a typical closing schedule. Our private capital fund also allows us to fund loans in-house for time-sensitive transactions. Loans are then sold or assigned to the final lender.
Bridge
7 - 21 Days
Conventional
45 - 60 Days
Fix & Flip
21 - 30 Days
FLEX
30 - 45 Days
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