Overview

As a Correspondent Commercial Mortgage Lending Company, ICS originates, structures, and underwrites loans which are sold, assigned, or broker 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

 

HOW  IT WORKS

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①

Submit loan request online by clicking on Instant Rate Quote & schedule a Loan Review Call.

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②

We evaluate the loan with you to determine the best loan program, eligibility, estimated rate, terms, and fees.

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③

If it looks fundable, we prepare a Good Faith Estimate and Term Sheet, including Funding Fee Agreement protecting your commission.

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④

Client signs off on GFE, we gather documents, and underwrite the loan.

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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 our 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.

 

SAME-DAY TERM SHEETS

 

Same-Day Term Sheets

If you submit accurate property and Borrower information, you'll receive a Term Sheet same day on all fundable loans.

 

BROKER REGISTRATION

 

You will be instantly registered with ICS when you submit your loan by clicking on Instant Rate Quote. Our loan processing team handles all loan updates and will provide you with a document checklist and file upload link. No login, no passwords, no software to learn. All you have to know is how to submit your loan requests online, then assist with document retrieval and Borrower correspondence. 

 

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