Seize Your Moment

ElCharis mikman firm is committed

Our goal is to satisfy our residential and commercial real estate client’s appetites.

Typically our clients seek funding  for commercial loans in a timely manner, with competitive commercial mortgage rates on investment real estate nationwide.

We  are excited about our relationships with our clients who seek financing income producing property. We help reconstruct each  offer and acceptance of multiple capitalization programs for a broad range of commercial real estate property collateral types.

• Commercial Real Estate Lending

• commercial real estate portfolio

• mortgage programs on A+ through D-

• quality investment property nationwide

 

Commercial mortgage loans for:

• owners

• developers

• real estate agents

• brokers 

 

Commercial Funding

• AGRICULTURAL

• construction

• bridge

• hard money

• SBA

• land

• hotel

• assisted living

• multifamily

• shopping centers

• office

• retail

• industrial

• self storage

• golf courses
  

• Permanent

• construction

• bridge loans

• multifamily property

 

ElCharis International compliance

• regulatory compliance 

• Risk Assessment

• underwrites

• Wall Street CMBS

• loan securitization

• commercial correspondent 

• insurance companies

• bank participation

• local Investors

• capital market

• national commercial

• multifamily

• real estate investment

• loan markets

 

We enjoy working with commercial mortgage brokers, investment buyers, commercial investment property owners, referrals from local and national banking institutions, and a variety of other trusted real estate financial intermediaries.

 

marketplace TERMS

ElCharis does,  on a best efforts basis, attempt to deliver through it’s compliance intelligence, the highest fixed and adjustable rate loan quality for commercial and apartment real estate loans.

• Debt service coverage’s are based on the overall strength of the project with adjustable and/or fixed rate commercial lending options for 1, 3, 5 or 10 year fixed- hybrid’s, rolling to 6 to 1 month LIBOR based adjustable rates or interest only loans with 1% semi-annual interest rate caps, 40, 30, 25, 20 and 15 year amortizations with LTV’s up to 92% utilizing mezzanine financing.
• Our commercial mortgage loan programs do not always require recourse, impounds for replacement reserves, tenant improvements or leasing commissions.
• Our prepayment schedules can be a declining prepay or at times no prepay options are available without lockout provisions, no yield maintenance and no defeasance rates.
• Our pricing is determined on a case-by-case basis (depending on what specific services are needed).
• However there are fees from third parties that must be paid, in some instances upfront.
• The client will be informed of these fees when pricing is determined.
• Our service is a referral base.
• We are only accepting business referred through legal and/or institutional investors.

 

Disclosure:

• Compliance establishes client relationships via client intake forms, invoice, corporate resolution, letter of intent, memorandum of understanding, and scope of work for all engagements.
• Upon client acceptances, a  confidential file management system is established for the client to provide due diligence and know your customer documentation. 
• Compliance, maintains activity account status, provide financing or financing counseling for each client prior to engaging into loan, ensure credit protections, exposure to risk at limited level, verification of credit check background credit service under privacy laws, compliance and risk assessment against contract obligations per client as it pertains to cost and accounting.
• We adhere to privacy laws and conduct thorough credit checks to ensure your personal and financial information is secure. Our experienced team will assess the risk associated with your specific compliance requirements and provide you with comprehensive risk assessment reports. You can trust that we will always prioritize your compliance and protect your interests.

 

Achieve your goals with Confidence