Overview

As a Correspondent Commercial Mortgage Lending Company, ICS originates, structures, and underwrites loans which are sold, assigned, or brokered to thousands of lenders and debt funds nationwide. Your ICS Underwriting and Capital Placement Team reviews, structures, underwrites, and packages loans for lender distribution and mortgage loan contract aquisition, so you can focus on finding more deals. We help you arrange commercial, multifamily, and investment property loans for your Clients at the most competitive rates, and terms available in today's capital marketplace. 

 

HOW IT WORKS

 

OUR PROCESS

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①

Submit your loan request online by clicking on REQUEST LOAN, where you will also schedule a Loan Review Call. It takes about 3 minutes.

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②

Upload supporting documents for review, such as a property rent roll, operating statements, etc. Doc requirements by loan type are available on the Request Loan page.

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③

ICS pre-underwrites the loan same-day. We complete a Stage One Underwriting Report™ with ICS Funding Confidence™ Score, which is the percentage chance of funding the loan as requested, along with alternative loan options for the Client. If Funding Confidence™ is 70% or better, ICS issues a Good Faith Estimate, including rate, terms, fees, and a Funding Fee Agreement, protecting your commission.

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④

Client signs off on the GFE & Funding Fee Agreement, we gather additional documents, and move the loan through underwriting, including appraisal (if required), and Final Lender loan commitment.

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⑤

Loan funds. You get paid.

 

BROKER COMMISSIONS

 

100%

Brokers keep 100% of their points charged to the Borrower. Your points are outlined on our Good Faith Estimate, Term Sheet & Funding Fee Agreement with the client. Your fee is paid by the Borrower at closing or post closing depending upon the loan type. We handle all Borrower commission invoicing and payment collection to ensure you and ICS get's paid.

 

CLIENT CONFIDENTIALITY

 

Your Client's financial, personal, and business information is confidential. Our Good Faith Estimate, Term Sheet, and Funding Fee Agreement authorizes ICS, you, and our underwriting team to review and process their documents. We do not contact your Borrower, but Borrower contact information, including name, email, phone, and home address is required. This information is necessary to complete a Soft Credit Pull, which does not affect their credit, and keeps ICS and you compliant in states where disclosure is required.

 

WHAT WE OFFER

 

Nationwide Lending

 

 

Institutional Loans

 

 

Private Capital

 

 

Short-Term Bridge Loans

 

 

Long-Term DSCR Loans

 

 

Ground-up Construction Loans

 

 

Rehab/Fix & Flip Loans

 

 

SBA Owner-user Loans

 

 

24/7 Online Support

 

LOAN PRODUCTS

$300,000 & Up

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Long-Term Permanant / DSCR Loans

5, 7, 10 & 15 & 30-Year Fixed Terms

Up to 30-Year Amortization

LTV: 80% Residential / Multifamily

LTV: 75% Commercial

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Short-Term Bridge

1, 2 & 3-Year Fixed Terms

No Prepayment Penalties

Interest Only Payments

LTV: 75% Residential / Multifamily

LTV: 75% Commercial

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Ground-Up Construction

1, 2 & 3-Year Fixed Terms

No Prepayment Penalties

Interest Only Payments

LTC to 80%

ARV to 65%

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Rehab / Value-Add / Fix & Flip

1, 2 & 3-Year Fixed Terms

No Prepayment Penalties

Interest Only Payments

LTC to 80%

ARV to 65%

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SBA LOANS

25-Year Terms

90% LTV/LTC

Owner-User Only

 

PROPERTY TYPES FINANCED

• Multifamily 5+ Units

• Senior Housing 5+ Units

• Student Housing 5+ Units

• Mobile Home Parks

• RV Parks

• Office

• Retail

• Industrial

• Mixed-Use

• Medical Buildings

• Duplex

• Triplex

• Fourplex

• Single Family Rentals

• Commercial Portfolios

• Assisted Living

• Automotive

• Cannabis

• Church

• Gas Station / Car Wash

• Hotel

• Vacant Land / Agricultural

• Land / Non-Rural

• Marina

• Youth Housing

• Restaurant / Bar

• Self-Storage

• Specialty Use

• Residential Developments

• Residential Portfolios