Liberty Mortgage

4415 West Harrison Suite 326 Hillside, IL 60162

Phone: 773-677-6460 Fax: 773-439-2450 Email: [email protected] NMLS 1807234

E2 Lending/FSB Mortgage

Residential Loans Contact

Rep:……………Tim Hatton

Phone:…… …..727-249-6304

Email:………  .[email protected]

.

SBA Loans Contact

Rep:……………Jan Manning

Phone:………..727-249-6304

Email:………  .[email protected]

Website:          Click Here….

Login:………..[email protected]mshapiro1 

Password:…..Liberty#2023

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• Commercial Loan Programs

  * SBA 7(A)

  * SBA 504

  * Purchase Land

  * Working Capital

  * Franchise financing

  * Construction and Improvement

  * Debt Consolidation and refinance

  * New equipment and heavy machinery

  * Partner Buy-outs and business acquisitions

  * Purchase Real Estate at least 50% occupied by the business

  Terms:

  * Low to no down payment

  * Nationwide Lending footprint

  * Loan:   $500,000.00 to $ 5 Million

  * Long amortizations (up to 25 years)

  * Single Signature approvals on loans up to $ 2 Million

   

• SBA 0% Down

  Borrower is looking to buy a building with 100% financing to expand their business

  and roll closing costs and equipment  into Loan Amount.

  Loan Program : Adjustable

  Interest rate:   Prime  + margin (2.75%)

  Financing available for:

  * Industrial

  * Manufacturing

  * Hair/nail salon

  * Medical/professional

  * Gas stations/convenience stores

  * Franchise restaurants and more!

  No:

  * Golf Courses,

  * Family Fun Centers

  * Apartment buildings,

  * Non Franchise Restaurants

  * Start-ups (exceptions: second location or established franchise)

  Conditions:

  * Nationwide footprint

  * $ 351K to $ 5M Loan amount

  * Credit score of 680 and above

  * Amortization up to 25 year term

  * Prepayment penalty is 3 years (5%, 3%, 1%)

  * No bankruptcy or foreclosure in past 5 years

  * No balloons, call provisions or financial covenants

  * Business must be organized as a for profit company

  *45-60 day closings with responsive borrower.  60-90 day with delays

  * Business owner for three years- stable to upward cash revenue trends

  * Business must occupy a 51% footprint of the building being purchased

  * 48-72 hour pre-screening review of credit package, with no charge or obligation

  * Currently renting  and looking to buy a lot – build a building  or buy a building to rehab or as – is

     

If Real Estate is not involved, you will be required to put down 20% on the deal structured.

 Interested?  Call Jan Manning @ 727-249-6304 and she will set up a meeting with the Commercial dept.

* Quick “No” when the deal does not fit

* Transparent Open Communication

* Proposal turn around within 48 hours

If it is a GO, the following items will be needed to review the client:

* 2018, 2019 and 2020 Business Tax Returns

* Year to Date P&L and Balance Sheet

* Personal Financial Statement (attached)

* Resume

* Project cost form

* Business Debt Schedule form

• Contacts

  **Contract: Zackery J. Fultineer (BSR) [email protected]  502-794-0028

  * Contact:  Chelsea Nikitas (LC)  [email protected]   502-792-0170 

    or  Melissa Lieras (LC) [email protected] 502-792-8104

  * U/W Contact:  Underwriting decision form- Look for “created by” and it will show U/W and

     their email/phone #

  * Locks:  [email protected]    You can Lock until midnight , lock  desk open until 7:00 pm. 

  * Change of circumstance:  Email: [email protected]

  * Help Desk for password resets/errors/LE assistance-Doc Magic:    [email protected] 

  * Website:   https://fsbmortgage.com/tpo/

  * LOS:  https://login.fsbmortgage.com

  * Day 1 Certainty:  email [email protected] for income/asset/rental verification-specify

  * Tax return income calculations-email [email protected]  under subject line of email, add